Author Topic: What is your lowest rate CC?  (Read 3052 times)


  • Bristles
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What is your lowest rate CC?
« on: March 29, 2012, 02:44:12 PM »
The post about moving Student Loans to a CC made me wonder.  My lowest card is 5.49% and I get the impression that's a pretty damn low rate, but it still isn't lower than my consolidated loan rate.


  • Bristles
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Re: What is your lowest rate CC?
« Reply #1 on: March 29, 2012, 03:36:15 PM »
There are a bunch of 0% cards for 12 or 15 months right now.  I think my lowest standard rate right now is about 6%.

I paid off about 50K worth of student loans with a card that offered 5% cash back. Turned into a nice little discount. The remaining consolidated loans are at 1.875%


  • Stubble
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Re: What is your lowest rate CC?
« Reply #2 on: March 30, 2012, 06:54:11 PM »
Currently 14% or so. I immediately passed on an offer for a gas card yesterday at 26.99%.


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Re: What is your lowest rate CC?
« Reply #3 on: March 30, 2012, 09:22:46 PM »
The only CC rate I know is a balance transfer done at 0% (no transfer fee either), that I'll pay off in full before it starts earning interest in November.

The other CCs, the ones I use to pay for purchases, I have no idea, because I pay off the balance every month.  I just make sure they don't have any annual fees, and I couldn't care less about the interest rate.
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  • Pencil Stache
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Re: What is your lowest rate CC?
« Reply #4 on: April 02, 2012, 12:56:26 PM »
I have one that seems to stay at 5.5 consistently.


  • Stubble
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Re: What is your lowest rate CC?
« Reply #5 on: April 02, 2012, 01:25:20 PM »
I don't actually know.

I have one CC that I use, and it's around 14% I think? It had an intro rate of 0% but that expired in a year, which I think is pretty common. But I've never actually paid interest on it, I just use it for convenience and rewards and pay it off in full every month. I thought about calling and trying to bargain a lower interest rate but I'm not sure if there's any point in that since I never carry a balance.

I also have a really stupid store card that I got when I was 19 and dumb. Probably something like 25%. I've also never paid interest on it, paid the balance off in full and now I don't ever use it. I'm too lazy to close it out even though it has a ridiculously low max balance so I probably should.