Low APR credit cards?

Joshuakid--

Welcome to A2K.

I have a 5.2% card through my Credit Union.

I still pay my bill in full every month so no interest accrues.

Mine's around 7, with my bank - its not the lowest, but its fixed, so it won't go up for no apparent reason.

I do the Dave-Ramsey thing of not carrying a balance, so I rarely have to pay the interest.

When I had another kind of card, though, I called every 6 months and requested a lower interest rate - and I got it. It was down to 5.9% After a few years of on-time and over the minimum payments, my balance got "too close to the limit" and they raised the rate to around 20% !!! Screw that! I paid that sucker off and will never go through that again.