What is the best credit card with the lowest APR?

i have exceptional credit history and i get credit card offers in the mail everyday the the US mail truck drive by my house. I have a few cards e.t.c But i want a card that has exception low APR for purchases. Preferrably a card from a Credit union or something. I want the interest rate to be very low based on my credit. Do you know of any credit union or bank in your neighbourhood that give very low APR with no annual fee. Some thing less than 7.9APR on purchases and balance transfer. I've already been to bankrate.com and there isn't must information on there. Please advise. No annual fee and very low APR





Thanks

What is the best credit card with the lowest APR?
Blue Cash from American Express®





This credit card issued by the credit card giant American Express has No annual fee. Coming to balance transfers, the Blue Cash from American Express has a low balance transfer rate. The APR for balance transfer is 4.99% fixed for the life of balance. Another good feature of the Blue Cash from American Express is that it is a 0 Intro APR credit card. It has a 0% intro APR rate for 6 months. The reward program of Blue Cash from American Express gives Up to 5% Cash Back with Unlimited Cash Rewards. This entitles the credit card holder to earn an unlimited cash back on his spendings. Apply online at: http://www.credit-card-gallery.com/Ameri...
Reply:Get the American Express BLUE card. Its' awesome.


No annual fee. My interest rate on the card is 7.9%. And you can pay over time.


Good luck
Reply:Simmons First National Bank
Reply:I work in credit card business. Some of the common questions would be


1- What's your salary?


2-How much debt you have?


3- Any asset?


4- How long have you been at your job? What's your profession?


5- Own or rent your house?.





When all of these factors factor in with your credit score then the company will determine what rate that they would offer. If you are a new customer to this credit card, they may give you a low rate to lure you in. If you're already an insist customer and don't use the card often, despite the high fico, that's not necessary you will get the low rate.





I have an A1 Fico but i don't have low rate on my cards because I don't use credit card often. When I do, I pay off. I'm not making money for credit card company. Although I get a low fixed rate on my mortgage at 5%.





People tend to confuse because they have a good FICO, they should get the lowest possible rate. It depends on other factors as listed above.
Reply:you might want to go here to compare them, http://www.bestcreditrates.net
Reply:Visa
Reply:American Blue Express Credit Card; Apart from no annual fee feature of the American Blue Express it also gives cash returns on specific purchases. Users of the American Blue Express also enjoy protection against fraud for online credit card transactions. This card tries to right the various wrong notions about the American Express credit cards, one of which is that it is a credit card only for rich or those who have money to keep a credit card.





Getting this card will also give you access to various other cards from American Express. American Express targets people of different styles and tastes. There is an appropriate American Express card for everybody in the family. The company also wants to target a niche market for credit cards, especially women and the youth. With this aim in mind, the American Blue Express was created.