amex with lowest apr?

[14Fiesta]

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@johnpalley wrote:

all im asking is which non charge card has the lowest apr? im not lookin for advice from anyone

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Have you tried looking at the website? They will tell you the lowest APR offered on each individual card. They don't just give out the lowest APR though. Your CR has to support you getting a low APR.

[johnpalley]

yes i already looked at that. i guess theres no other info to get from anyone. im gonna get the Blue Cash Everyday card. i was hoping there was another card with no rewards that has lower interest but i can find any. its like they make you take the rewards with a higher apr when i dont want that. thanks for the help guys

[Burned2manybridgesB4]

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@johnpalley wrote:

yes i already looked at that. i guess theres no other info to get from anyone. im gonna get the Blue Cash Everyday card. i was hoping there was another card with no rewards that has lower interest but i can find any. its like they make you take the rewards with a higher apr when i dont want that. thanks for the help guys

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All Amex cards are rewards based.

*edit: except for their non MR charge cards.

[johnpalley]

yeah thats garbage. it is what it is though thanks

[trumpet-205]

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@johnpalley wrote:

yes i already looked at that. i guess theres no other info to get from anyone. im gonna get the Blue Cash Everyday card. i was hoping there was another card with no rewards that has lower interest but i can find any. its like they make you take the rewards with a higher apr when i dont want that. thanks for the help guys

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First of all, AMEX BCE's APR can be from 12.99% to 21.99%. You won't know what APR you'll be getting beforehand.

Second of all, AMEX frowns upon those who makes minimum payment or those who carries balance over a long period of time. AMEX is known to respond to these people by doing FR or closing account right away.

Really, AMEX is a bad choice for carrying balance period.

[14Fiesta]

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

[Anonymous]

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@Burned2manybridgesB4 wrote:

Amex..minimum payment option...wrong card.

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Yeah... You don't wanna make minimum payments with Amex. Ever.

[SunriseEarth]

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@14Fiesta wrote:

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

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+1.   If low APR is a high priority, AMEX might not be the best match.   A CU card would get you a lower APR.

However, to answer the OP's question, the lowest APRs on AMEX revolvers would be the BCE/BCP and Everyday CCs, at their best rate of 12.99%  Of course, you may not necessarily be offered the best rate.  Some of their revolvers (Costco TE, MB) only offer one rate to everyone who qualifies for the card.  

[johnpalley]

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@14Fiesta wrote:

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

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im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card. i want 1 card with each major company including amex. 12.99 apr is acceptable if i can get it one day thats why amex isnt crossed off my list. if they close my account for making minimum payments than screw them. il take my chances though

[Anonymous]

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@johnpalley wrote:

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@14Fiesta wrote:

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

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im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card. i want 1 card with each major company

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I'm seeing more of this and I don't get it.  Yes, you need some issuer diversity, but once you have enough of that (and that can be major and minor issuers, and 3-4 is enough IMO), get cards that make sense for you.  Here you are trying to choose an Amex just to get an Amex, and finding that there isn't a good match.  Until there is, don't bother about Amex!