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Knight2008

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  1. IME, I find that I generally tend to miss the days (maybe it was about or around a decade ago?), when it was still possible and relatively easy to get a card with low, single digit and fixed APRs, which may or may not have had a rewards program built into them. It's now pretty much near-impossible to do with the banks, unless you're grandfathered under an old fixed-rate card APR structure that was also fortunate enough to survive CARD Act. There are CUs now where you can even now get a single-digit, fixed-rate card, some with rewards, but your FICO scores seem to need to be sky-high for the
  2. Amex BCP? How much do you spend on groceries each month. Another member of the family does just about 90% of the monthly grocery shopping, so I usually don't spend too much on groceries. The only Amex card I currently have runs on the Amex network, but is not issued by Amex itself. I did a few times consider applying for the Amex BCE, but IIRC, the lowest they were willing to go on the APR was ~13.49%, so I didn't end up applying for it. If you care about APR, you're doing it wrong. APR and rewards don't necessarily have to be mutually-exclusive, in mho My ideal credit card i
  3. IME, I find that I generally tend to miss the days (maybe it was about or around a decade ago?), when it was still possible and relatively easy to get a card with low, single digit and fixed APRs, which may or may not have had a rewards program built into them. It's now pretty much near-impossible to do with the banks, unless you're grandfathered under an old fixed-rate card APR structure that was also fortunate enough to survive CARD Act. There are CUs now where you can even now get a single-digit, fixed-rate card, some with rewards, but your FICO scores seem to need to be sky-high for the
  4. Amex BCP? How much do you spend on groceries each month. Another member of the family does just about 90% of the monthly grocery shopping, so I usually don't spend too much on groceries. The only Amex card I currently have runs on the Amex network, but is not issued by Amex itself. I did a few times consider applying for the Amex BCE, but IIRC, the lowest they were willing to go on the APR was ~13.49%, so I didn't end up applying for it.
  5. My personal preference is for AF-free, single-digit APR cards with cash back rewards (relatively hard to find and rare, but there are a few CU ones out there, even a few with fixed-rate APRs). I hardly ever travel, so AF cards don't really make that much economic sense for me.
  6. It may depend on the exact timeframe you're examining, as to whether APR matters in terms of rewards cards. Prior to CARD Act when most rewards cards offered a standard or typical 1% cash back rewards structure, IIRC most rewards cards carried significantly lower interest rates than they do today. For example, back then you could still find a lot of single-digit APR cards with 1% rewards offerings. Not so today, as the basic rules of the game have changed -- today, rewards cards offer much more generous benefits, but the side effect is that they also have high APRs, and also usually much hi
  7. Not technically listed in the mass media, but here are some cards advertised online that I can think of (I have a few of these cards myself, some you need a high FICO to get the lowest APR): 1. https://www.western.org/variable-rate-visa-credit-card (as low as 5.24% V) 2. https://www.premieramerica.com/loans/credit-cards (as low as 7.50% F) 3. https://www.western.org/fixed-rate-visa-credit-card (as low as 8.99% F) 4. Barclay Ring (8.25% V) Most people interested in rewards don't care about APR. If you do, you're playing the game wrong. ... I am admittedly very ol
  8. I disagree. Even at the worst redemption rate, 1.5 cents per point, you only need to spend $3667 per year in the 3x categories to come out ahead of the CSP. You can also earn UR points as high as 5x on other cards which you can then use through the C$R. Keep in mind both the C$R and CSP are travel cards, so if you follow a cash back strategy, you don't want either. I would personally much rather have the card at the link listed below, over the CSR (this card also has rewards of 1.5 points earned/$1 spent): https://www.premiera...ns/credit-cards (as low as 7.50% F, 1.5x point
  9. Not technically listed in the mass media, but here are some cards advertised online that I can think of (I have a few of these cards myself, some you need a high FICO to get the lowest APR): 1. https://www.western.org/variable-rate-visa-credit-card (as low as 5.24% V) 2. https://www.premieramerica.com/loans/credit-cards (as low as 7.50% F) 3. https://www.western.org/fixed-rate-visa-credit-card (as low as 8.99% F) 4. Barclay Ring (8.25% V) Most people interested in rewards don't care about APR. If you do, you're playing the game wrong. ... I am admittedly very ol
  10. I disagree. Even at the worst redemption rate, 1.5 cents per point, you only need to spend $3667 per year in the 3x categories to come out ahead of the CSP. You can also earn UR points as high as 5x on other cards which you can then use through the C$R. Keep in mind both the C$R and CSP are travel cards, so if you follow a cash back strategy, you don't want either. I would personally much rather have the card at the link listed below, over the CSR (this card also has rewards of 1.5 points earned/$1 spent): https://www.premiera...ns/credit-cards (as low as 7.50% F, 1.5x point
  11. Not technically listed in the mass media, but here are some cards advertised online that I can think of (I have a few of these cards myself, some you need a high FICO to get the lowest APR): 1. https://www.western.org/variable-rate-visa-credit-card (as low as 5.24% V) 2. https://www.premieramerica.com/loans/credit-cards (as low as 7.50% F) 3. https://www.western.org/fixed-rate-visa-credit-card (as low as 8.99% F) 4. Barclay Ring (8.25% V)
  12. In mho, CSR is greatly overrated, at least after the first year anyway...
  13. May not work or be flexible enough for everyone, to truly kill off credit cards -- please see quoted portion from the article, below:
  14. Many thanks for your kindness in providing the helpful info fatherof5 and road2freedom!
  15. 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
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