Secured Credit Card With Low Apr

APR stands for Annual Percentage Rate and can be divided into subcategories like APR for new purchases, APR for balance transfers and cash advance APR

. If you make purchases with some credit cards and fail to pay your balances on time at full, you have to pay for the interest regulated as purchase APR. If you are that kind of card users who intend to take cash advances regularly and transfer your balances from another card with higher APRs to the one with lower APRs, there are also balance transfer APR and cash advance APR you should pay attention to.

Even if you can avoid paying any interest by paying off your balnces on time and restricting financial behaviors like balance tranfers and cash advances, getting a card with low APRs will do you no harm. It is a universal truth that all secured credit cards charge a higher annual fee and APRs than unsecured credit cards. However, we still pick out some of the better ones with lower APRs from the secured credit card family if secured cards are the only option for you.

1.Orchard Bank Secured MasterCard - Low interest rate. only 7.9%

.Low interest rate. only 7.9%

.No processing fee

.No annual fee for the first year then $35

.No Balance transfer fee

.Cons:High penalty fee.29.49%

.Cos:5% of balance transfer fee

Orchard Bank Secured MasterCard is the best choose for people who have no or bad credit to build his credit.Orchard Bank Secured MasterCard has a low 7.9% apr and no account processing fee.

The $35 annual fee is waived the first year, and $35 annual fee is also very reasonable.and have no other monthly fee.they will pay bills on time,Shortly after you might be able to qualify for an unsecured card with no annual fee.

2.The First Progress Secured Platinum MasterCard Credit Card - 14.99% APR

.Low apr 14.99% for all purchases

.Annual fee: $39

.Free online account

.Regular report to 3 major credit rating bureaus.

With a low level of annual fee, APR and interest rate, the First Progress Secured Platinum MasterCard is one you should consider if you are in desperate need of restricting your economic behavior and rebuilding your credit.

3.Navy Federal Credit Union nRewards Secured Card - Low interest rate 8.99% to 10.99%

.No annual fee

.Low interest rate 8.99% to 10.99%

.Up to 1% cash back per dollar

.No Balance transfer fee

.After 12 months, you can be switched to an unsecured card

.Get redemptions starting at $25, with the capability to set up automat

If you have choice applyNavy Federal Credit Union,Navy Federal CreditUnion nRewards Secured Cardis the best secured credit card.with low apr and no annual fee,and you can get 1% cash back.this card is unbelieveable. The very thought of loosing it is the worst experience in life anybody could ever have. I mean it would be a nightmare through life without the power this card posses and the gift of a lifetime opprotunity.

by: cloer

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