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Very uncommon community-built credit card from Barclaycard bank with low APR
Very simple rules for people who occasionally carry a balance and care about low ongoing APR. After the card rewamp it is now also a perfect balance transfer card - with 15 months 0% BT APR and no BT fee. No tricks, no gimmicks, but no rewards. The card is following the latest trend for the card with a low APR and less marketing bells and whistles. Another card with low APR is a BoA Americard with 11.49% minimum APR.
The Giveback program is not very transparent and easy to understand so we think it cannot be considered as a substitution to the rewards programs.