When card companies show you a card that has an APR range... generally speaking, what score gets you that lowest rate?
There is no set score that will ensure you end up with the lowest possible APR. Each lender has their own proprietary algorithms that calculate a vast number of factors, one of them being your score. Although your score plays a large role in what you may be approved for, as well as APR, there are many, many other parts of your overall credit profile that will play a role in determining what your APR would be, and these will all vary wildly by lender. The general consensus is that a 760 or higher score will yield you with the best results, however this is still just your score number, and does not take into account other factors in your overall profile. There may be someone with a 760 score that would be approved for a card with a $30,000 limit with the lowest APR, another person with that score approved for the exact same card, but with a $5,000 limit with middle tier APR, and yet another that would be denied all together. There are so many factors that play into such decisions, and they are also very much lender specific. Unfortunately a high score will never "guarantee" you the lowest possible APR, however conversely not having an incredibly high score will not count you out either.
Agreed. It's very lender/profile specific.
Most of my FICOs are in the 800s. I am never offered prime terms for credit cards. I don't get any offers in the mail, period.
My wife gets offers all the time.