Like several other people that have responded, the APRs on my cards are completely irrelevant since they get paid off every month. However, I looked them up and my Amex is 19.99% and my Mastercard is 18.5%.
We have a small balance on one, at 9.9%. I have a somewhat larger balance on another, that had a promo rate that will go up to 9.9% this month. That bank tried to jack up my rates (probably would have been 14-15% and not fixed) but I opted out - the downside is that if I were to use the card again, I’d be saying “sure, I’ll bend right on over”.
I’ll be doing a balance transfer on that one later this month, to a lower rate card.
I just had to log into the account for the card we use for day-to-day stuff - 13.24% (we pay it off every month so the rate is not an issue).
I had to look it up as I had absolutely no clue. I pay everything in full each month, and have done so ever since first getting a credit card my first year of college, so they are irrelevant to me. One card is 22.99% and the other is 17.24%.
I have five or six cards open at the moment, all of them with a 0% rate. (You read that right: zero per cent.)
On three or four I’m simply paying off previous balances (I’ve got about $7,000 in debt at the moment), I use one for regular daily purchases, and one is for large regular business purchases. It earns mileage points and is paid off every month.
I keep a spreadsheet that tracks the balance on each card, the total I owe, and how much I need to pay on each of them each month to clear the balances before the end of the 0% rate.
If I still have a balance on any of the cards when the 0% period is about to expire, I find another that offers transfers at 0% for a year and move it over, then cancel the old card. I usually pay about 3% for the transfer, but that’s still better than any of the rates mentioned so far in this thread.
I’ve been playing this shell game for years now. I don’t think I’ve paid credit card interest for more than a decade. I’ve never made a late payment, I’ve never been turned down for a card, and my FICO score averages just over 800.
On my Mastercard:
18.09% p.a. on purchases
19.99% p.a. on cash advances
But I never pay any interest anyway, so it doesn’t worry me greatly what the rates are.
One of them has a 1.75% p.a. and provides discounts of 3-4% in some gas stations and supermarkets. 24€ yearly fee (no fee the first year). It’s from a credit union.
I can’t find the interest for the other one on the webpage, but it’s from a bank, 39€ yearly fee (no fee the first year).
Neither one charges a fee for withdrawal of money from their own cashier’s networks or for purchases; both charge 6€ for out-of-network withdrawal (the same fee in- and out-of country). Interest is charged only on anything which hasn’t been paid in full at the end of a month, whether it comes from purchases or withdrawals. Both are set to pay-in-full, so all I pay is the yearly fee and any fees for out-of-network withdrawals.