8 replies to this topic

[Knight2008]

Is it still possible at all to get a fixed-rate cc that is also below 10% for purchases, anywhere these days?

I honestly don't care much at all about rewards; I would much rather prefer a low, fixed-rate credit card, even if it has no rewards at all...

Post-CARD Act, I only have one open fixed-rate card left (at 9.9%, for both purchases and balance transfers, and which also includes rewards). Of my 4 other open credit cards, all except one are between a 9.24% - 9.9% variable rate, and the highest-APR open card I have is 10.99% variable. However, I would love to be able to have more fixed-rate cards with purchase APRs anywhere below 10%, if it is still possible to even get them, that is?

Pre-CARD Act, I had cards as low as 5.9% fixed, and 5.24% variable...gosh, how I miss those days of lower interest rates...

Edited by Knight2008, 11 August 2012 - 08:26 PM.

[road2freedom]

I don't know of any cards that are truly fixed, but Barclay Ring is 8% (variable) for purchases, BTs, and advances.

Edited by road2freedom, 11 August 2012 - 08:28 PM.

[fatherof5]

PSECU

[Knight2008]

Many thanks for your kindness in providing the helpful info fatherof5 and road2freedom!

[visorboy1974]

PSECU

+1

[tifozi]

Your best bet is a CU credit card. My DCU is 8% and so is DW's and a couple of colleagues. There is room for negotiation often times as well if your profile is strong.

[NorCalR1]

Even credit unions are cracking down on fixed rate cards, but there are some that still offer it. Large national banks have long since abandoned them.

[googerz]

Look into the Ameriprise World MC. It's not fixed rate, but one of the lower continually variable rates I've seen @ 6.24%.

http://www.ameripris.../ampf-mc-tc.pdf

I'm sure you can find the application page online.

[cleverloginname]

SDFCU's EMV (true chip & pin) has an APR as low as 6.99 based on your credit profile.