Nothing beats zero. Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today! LOW APR on all purchases. 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date. Annual Fee: $0. Purchase Variable APR: 17.99%. Refer to PenFed.org for Terms/Conditions.
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For those who want to transfer/carry balance at a competitive rate. This no annual fee card has one of the lowest credit card rates and fees.
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