hachiroku wrote:Currently I have 2 Chase Mastercards that I am looking to replace.
reason being, both have no perks, and Chase has this thing where they can fluctuate your APR as they see fit.
my AMEX Blue Cash, has a set APR and does not fluctuate, and provides cash back on everyday purchases. Are there any Visa/Mastercards out there that can provide the same?
ANY bank or credit union can change the APR on your account as they see fit (provided they inform you in advance per CARD Act laws).
Your best bet would be to look into a credit union like Navy FCU or Pentagon FCU (PenFed) as they offer cash back cards and credit unions generally do not fluctuate APR's like banks do. Now, I have had fantastic luck with BofA in that my Visa card that I opened in 2001 still has 9.9% fixed APR (I hope I didnt jinx myself...). But virtually every other credit card that I have ever opened has changed my APR at some point.
Another observation I will make is that reward cards are notorious for having higher APR's because, well, that helps the bank pay the reward. So, if you are really hell bent on having a reward card, it is best not to carry a balance and therefore, the APR is really not relevant. You should instead look for a basic card with a low APR (again best from a credit union) that you can keep around in case you need to carry a balance.