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Fixed vs Variable Interest Rate
With the recent financial crisis and new credit card act, credit card issuers are changing their credit card from a fixed rated to a variable interest rate.
A variable interest rate credit card is based on Prime Rate plus a percentage pre-determined by the credit card issuer. As such, the interest rates may
vary monthly based on the Prime Rate(which normally based on in the Money Rates column published in The Wall Street Journal). If the Prime Rate increases, then your interest rate
will increase accordingly.
The variable rates normally applies to purchases, balance transfers, cash advances and convenience checks, if any.
Nonetheless, you are still able to find a decent low interest rate card in the market at the moment since the Prime Rate is reasonable.
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Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
7.49% introductory purchase APR for first 36 months ! After that, the APR will vary with the Prime Rate, and is currently 9.99% APR.
No-fee cash advances carry a 17.99% APR
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 10.99% - 20.99%*
2% automatically at any gas station and any restaurant all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Up to 1% unlimited Cashback Bonus on all other purchases
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S. based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alerts
Easy online account options that put you in control
Fraud specialists dedicated to helping you 24/7
Secure online account numbers
Timely e-mails to help you avoid fees
*Click apply to view rates, fees, rewards, limitations and other important information
Regular vs. Rewards Credit Card
It is common for a rewards credit card to have a higher interest rate than a regular credit card.
As such, it is advisable to get a regular credit card if you plan to carry balances with your card in order to enjoy lower interest rate.
At times, you may find a rewards card in the US offering an equally competitive interest rates if compares to a regular credit card.
However, the most important factor in getting a low interest rate is your credit scores and ratings. Credit card issuer is adopting a multi-tier interest rates according to
cardholders credit history. Those with excellent credit history will get a lower interest rate than those with lower credit ratings.
Carrying balances on your card
It is best practice to pay your balances in full every month. However, if you decide to carry balances on your card, a low interest rate is important to minimize the finance charges.
And do not miss a payment on your credit card or your credit rating will suffer, aside from being penalized by the issuer with additonal fees and interest rate increases.
Getting a card with 0% introductory offers on your card purchases could save you hundreds of dollars in the short term. To avoid hefty interest charges, it helps to pay off the balances within the given introductory period.
Whatever your decision, make sure the credit card works in your favor. Don't be a slave to money or credit just to keep up with the Joneses.
It is crucial to keep a good credit history especially in the current economy climate. With good credit, you'll get a much better offer for your future lending. In contrast, you may face
lending diffculty if you've a bad credit and risk paying a high interest rate to the lender, even if it's available.
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.