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Anyone looking for a low long-term interest rate on a credit card should consider the First Option Platinum as one of their first options.
The rewards accumulate slower than with many rewards programs. But thanks to the low APR so do the interest charges. That makes this a competitive card for anyone who wants to carry a balance on their plastic.
The APR for cash advances is 18%, and there is a cash advance surcharge of either $5 or 2% per transaction, whichever is greater. There is also a 2% foreign transaction fee.
Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.