- Centurion Member
- Posts: 242
- Joined: Fri Jun 07, 2013 9:46 am
- Location: Broward County FL
My Discover It has an ugly 22.99%. I tried to negotiate it to a lower APR but they offered me 0% for a year and took it. Later I found out you can ask for both 0% and a lower APR afterwards. I'll have to do that this year.
My Amex Blue Cash Everyday had an invitation APR of 12.99%, and I negotiated that to 10.24% this year. I have never paid interest on it before, but such a low rate makes it even more tempting to use the card in the case I have to carry a balance (I do have a lot of credit card debt at 0% rates that I have put away).
I also have a Barclay Ring that I have never used (I got the card and later had the funds to not use it), but it has a locked in 8% APR. It's fairly lackluster, it doesn't even have the tap and pay feature that is pictured on the card's application. And the website erroneously lists balance transfers as incurring a 3% fee. My Blue Cash has rewards, Amex Offers, a low APR, large credit line, and has a dual EMV contactless/contact chip to name a few things that blow the Ring out of the water. I would unapply for the Ring if I could just to remove the inquiry if I could!
American Express: Blue Cash Everyday (10k), Everyday, Plenti ; Discover It (7.3k) ; Target (1.6k)
Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates