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credit card interest rates

credit card interest rates

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by: foxymama Active Indicator LED Icon 14 OP 
~ 9 years ago   Jan 16, '15 11:28am  
I am shopping for a new credit card, both my husband and I have a credit score in the low 800's. We currently have a 12.9% interest rate on purchases.  What is the going rate for good credit?I have seen some good introductory rates of 0% but then they go to 12.99%Just wondering if i can do better.  DO you like getting points, miles, cash back, etc..  Mine currently offers points.  It is decent but wondering what others like. 4951
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ctl74 Active Indicator LED Icon 10
~ 9 years ago   Jan 16, '15 11:49am  
I have an AMEX Delta skymiles card and, what I like about that is that I can turn miles into money towards flights. I used to use it a lot when I was single and flying to Atlanta a couple of times a year to see family. I hardly use it now, but the miles / value don't expire.
 
DH has a Discover card and gets cash back, which is a nice option at Christmas. Emoticon
 
I believe both are around 9% APR. APR shouldn't be an issue, though, if you pay off your balance every month. 4951
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Francita Active Indicator LED Icon 17
~ 9 years ago   Jan 16, '15 11:57am  
My only cc is discover. I'm all about that cash back. I honestly do not know what my interest rate is because I pay it off every month. The cash back is super sweet at Christmas time on Amazon. 4951
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ET Active Indicator LED Icon 17
~ 9 years ago   Jan 16, '15 12:12pm  
Agree with the no balance comments.  Any of those rates is close to criminal with where interest rates are now.. 4951
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sapphire Active Indicator LED Icon 11
~ 9 years ago   Jan 16, '15 12:14pm  
[ Removed by Author ] 4951
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ET Active Indicator LED Icon 17
~ 9 years ago   Jan 16, '15 12:20pm  
Use both Discover for the cash back (I know there are others but been with them forever) and the Chase United card for points and access to the United Club.  Try to never use cash if at all possible but always pay the card off each month.  Accumulate a lot of points and cash.   4951
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