I am sure we all agree, a prime card should have no annual fee, at least a 25 day grace period and a fairly large limit (say $3K or more). Maybe $3K is a little low. Some people may say $5K. Juniper is considered a prime card. Among their offerings is a 15.9% apr. My Capital One gold card is now 17.9% Nobody in their right mind would brag about a capital One card but it does seem like the apr. difference is awfully minimal in some cases. My credit union visa cards are 13.9%. At my credit unions, you either get the card with the 13.9% or you don't get the card. No negotiation is permitted. If my Capital One gold card reduces apr. from 17.9 to 15.9% is it now considered prime? Could it be that a subprime card is like pornography. As one Supreme court justice said - "I can't define it but I know when I see it that it's pornographic". (substitute the word subprime for pornographic) It's just a thought.