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Excellent Credit Required - Applicants that do not have excellent credit will not be approved
Low 8% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No Annual Fee
By far the best low APR offer on the market. No extra bonuses or rewards but this 7.05% ongoing APR will save you a lot more than rewards in the long run if you carry a balance. The card fits best for people who carry a balance from time to time and care about their spending.