best card for low apr?

[Kenny]

---

@score_building wrote:

---

@juggalo9er wrote:

---

@DaveSignal wrote:

try SDFCU, they gave me 6.99%.  This applies to all transactions, including BTs and cash advances.  There are no fees.  And it earns rewards points.

---

or forum credit union....they go down to 5.24% and have 1% cash back with no fees for cash, bt's, or really much else for that matter

---

2.99% introductory APR for one year, based on your creditworthiness.

    After that, your APR will be 7.24% to 13.24%. This APR will vary with the
    market based on the Prime Rate.

http://www.forumcu.com/credit-card-disclosure

---

http://www.forumcu.com/Rates/Personal-Loan-Rates  Not sure if I'm reading this correctly or not but the floor is 3.99% -- What does the floor mean? lol I see the 7.24%, though.

Tier	Maximum Credit Limit	Intro Rate	Annual Percentage Rate (APR)	Minimum APR (Floor)	Maximum APR	Margin
A+ and A	$20,000	2.99%	7.24% (Variable with the Market Based on the Prime Rate)	3.99%	21.00%	+3.99%

[Kenny]

http://www.fortknoxfcu.org/visa.html Visa Signature Equity Card APR as low as 6.25%

https://www.goabco.org/loans_visa-credit.cfm APR as low as 6.75%

[rootpooty]

Are they conservative?

[DaveSignal]

---

@rootpooty wrote:
Are they conservative?

---

IMHO, the most conservative lender we have talked about in this thread is Barclays.

[rootpooty]

Really? I think I recall several threads where people have been getting 5k+ ring accounts. Do you think I would have a hard time getting 5k limit with them?

[Hockeyplayrr]

I'll second the SDFCU card.  They gave me 5k at 6.9% apr and weren't scared off by my collection of cards.  In fact that was the reason they said they couldn't give me the 10k I requested.  Alot of places would flat out deny with a couple new accounts within the year.  A loan officer does call you up to discuss your application if it isn't an instant approval.  And they have since called me twice to see how I like everything.  Very nice people. They pull an older model of EX and my score with them was 730.  I have also read 720+ gets the best terms with them. 

[score_building]

---

@KennyRS wrote:

---

@score_building wrote:

---

@juggalo9er wrote:

---

@DaveSignal wrote:

try SDFCU, they gave me 6.99%.  This applies to all transactions, including BTs and cash advances.  There are no fees.  And it earns rewards points.

---

or forum credit union....they go down to 5.24% and have 1% cash back with no fees for cash, bt's, or really much else for that matter

---

2.99% introductory APR for one year, based on your creditworthiness.

    After that, your APR will be 7.24% to 13.24%. This APR will vary with the
    market based on the Prime Rate.

http://www.forumcu.com/credit-card-disclosure

---

http://www.forumcu.com/Rates/Personal-Loan-Rates  Not sure if I'm reading this correctly or not but the floor is 3.99% -- What does the floor mean? lol I see the 7.24%, though.

Tier	Maximum Credit Limit	Intro Rate	Annual Percentage Rate (APR)	Minimum APR (Floor)	Maximum APR	Margin
A+ and A	$20,000	2.99%	7.24% (Variable with the Market Based on the Prime Rate)	3.99%	21.00%	+3.99%

---

A floor rate is the lowest variable rate that a lender will charge you — even if the Prime Rate drops below it.

[score_building]

---

@KennyRS wrote:

---

@score_building wrote:

---

@juggalo9er wrote:

---

@DaveSignal wrote:

try SDFCU, they gave me 6.99%.  This applies to all transactions, including BTs and cash advances.  There are no fees.  And it earns rewards points.

---

or forum credit union....they go down to 5.24% and have 1% cash back with no fees for cash, bt's, or really much else for that matter

---

2.99% introductory APR for one year, based on your creditworthiness.

    After that, your APR will be 7.24% to 13.24%. This APR will vary with the
    market based on the Prime Rate.

http://www.forumcu.com/credit-card-disclosure

---

http://www.forumcu.com/Rates/Personal-Loan-Rates  Not sure if I'm reading this correctly or not but the floor is 3.99% -- What does the floor mean? lol I see the 7.24%, though.

Tier	Maximum Credit Limit	Intro Rate	Annual Percentage Rate (APR)	Minimum APR (Floor)	Maximum APR	Margin
A+ and A	$20,000	2.99%	7.24% (Variable with the Market Based on the Prime Rate)	3.99%	21.00%	+3.99%

---

 A floor rate is the lowest variable rate that a lender will charge you — even if the Prime Rate falls below it. 

[score_building]

---

@KennyRS wrote:

---

@score_building wrote:

---

@juggalo9er wrote:

---

@DaveSignal wrote:

try SDFCU, they gave me 6.99%.  This applies to all transactions, including BTs and cash advances.  There are no fees.  And it earns rewards points.

---

or forum credit union....they go down to 5.24% and have 1% cash back with no fees for cash, bt's, or really much else for that matter

---

2.99% introductory APR for one year, based on your creditworthiness.

    After that, your APR will be 7.24% to 13.24%. This APR will vary with the
    market based on the Prime Rate.

http://www.forumcu.com/credit-card-disclosure

---

http://www.forumcu.com/Rates/Personal-Loan-Rates  Not sure if I'm reading this correctly or not but the floor is 3.99% -- What does the floor mean? lol I see the 7.24%, though.

Tier	Maximum Credit Limit	Intro Rate	Annual Percentage Rate (APR)	Minimum APR (Floor)	Maximum APR	Margin
A+ and A	$20,000	2.99%	7.24% (Variable with the Market Based on the Prime Rate)	3.99%	21.00%	+3.99%

---

A floor rate is the lowest variable rate that a lender will charge you — even if the Prime Rate drops below it.

[grinlikechelsea]

---

@rootpooty wrote:
Really? I think I recall several threads where people have been getting5k+ ring accounts. Do you think I would have a hard time getting5k limit with them?

---

Barclays seems to be really conservative with Ring accounts. I've seen a lot of people get denied or stuck with low limits. It certainly is an attractive card in terms of benefits, but the underwriting appears to be tough. I wouldn't expect a 5K line.