We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Consumer Action 2007 Credit Card Survey

BSGCORP
BSGCORP Posts: 16 Forumite
in Credit cards
Consumer Action 2007 Credit Card Survey


Amalgamated Bank of Chicago • 800-365-6464
Gold Card
  • Annual Fee : None
  • APR : 12.75% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 2.50%/$2.50 min./$30.00 max. Late fee: $25. Over limit fee: $20. APR is Prime + 4.50%.
Gold Plus
  • Annual Fee : $45
  • APR : 10.75% V
  • Additional Information : Prime + 2.50%. Other terms same as above.
Standard
  • Annual Fee : None
  • APR : 14.25% V
  • Additional Information : Prime + 6.00%. Other terms same as above.
Standard Plus
  • Annual Fee : $37
  • APR : 11.00% V
  • Additional Information : Prime + 2.75%. Other terms same as above.
American Express • 800-600-2583/800-223-2670
Blue
  • Annual Fee : None
  • APR : 12.24%, 14.24%, 17.24%, or 19.24% V
  • Additional Information : Grace period: 20 days. Cash advance fee: 3%/$5 min./No max. Late fee: Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $35. Over limit fee: $35. Prime + 3.99%, 5.99%, 8.99% or 10.99%.
Blue Cash
  • Annual Fee : None
  • APR : 13.24%-18.24% V
  • Additional Information : Prime + 4.99%, 6.99% or 9.99%. Other terms same as above.
Clear
  • Annual Fee : None
  • APR : 12.24%, 16.24% or 18.24% V
  • Additional Information : Grace period: 28-31 days. No cash advance fee. No late fee. No over limit fee. APR is Prime + 5.99%, 7.99% and 9.99%.
Delta Skymiles Classic
  • Annual Fee : None
  • APR : 18.24% V
  • Additional Information : Grace period: 20 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $35. Over limit fee: $35. APR is Prime + 9.99%.
Delta Skymiles Options
  • Annual Fee : None
  • APR : 12.99% F
  • Additional Information : Fixed rate card. Other terms same as above.
JetBlue
  • Annual Fee : $40
  • APR : 18.24% V
  • Additional Information : Term same as above.
One*
  • Annual Fee : $35 (Waived first year)
  • APR : 14.24%, 15.24% or 16.24% V
  • Additional Information : Grace period: 30 days. No cash advances possible on this card. Late fee: $29. No spending limit. APR is Prime + 5.66%, 6.99% or 7.99%. *This is a charge card with a revolving balance feature.
Optima Platinum Card
  • Annual Fee : None
  • APR : 14.25% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $35. Over limit fee: $35. APR is Prime + 6.00%.
Arkansas National Bank (ANB) • 888-226-5262
Fixed rate card
  • Annual Fee : $50 (Waived with ANB checking account.)
  • APR : 7.92%, 12.00%, or 15.00% F *
  • Additional Information : Grace period: 25 days. Cash advance fee: 2%/$5 min./$25 max. Late fee: $25. Over limit fee: $25. *APR depends on banking relationship and payment method.
Bank of America • 800-932-2775/800-732-9194
Alaska Airlines
  • Annual Fee : $75 (Signature and Platinum Plus); $45 (Preferred)
  • APR : 15.24% V (Signature and Platinum Plus); 18.24% V (Preferred)
  • Additional Information : Grace perod: 20 days. Cash advance fee: 3%/$10 min./No max. Late fee is tied to balance amount: Under $100, $15; $100-$250, $29; $250 plus, $39. Over limit fee is based on the amount over limit on the day the fee is assessed: $15 ($500 or less); $29 ($500-$1000); $39 ($1000 plus). APR is Prime + 6.99% or 9.99%.
Dodge Rewards
  • Annual Fee : None
  • APR : 16.24% V
  • Additional Information : Prime + 7.99%. Other terms same as above.
Efectiva
  • Annual Fee : None
  • APR : 14.24% V
  • Additional Information : APR is Prime + 5.99%. Other terms same as above.
Elite Rewards World
  • Annual Fee : None
  • APR : 7.90% F (Platinum Plus); 13.99% F (Preferred)
  • Additional Information : Fixed rate card. All terms same as above.
Fidelity Investment Rewards World Points - 866-598-4971
  • Annual Fee : None
  • APR : 12.99% F (Phone); 14.99% F (Internet)
  • Additional Information : All terms same as above.
Gold Points Reward Network
  • Annual Fee : None
  • APR : 7.90%-13.99% F
  • Additional Information : All terms same as above.
The LL Bean Card
  • Annual Fee : None
  • APR : 12.15% V
  • Additional Information : APR is Prime + 3.90%. Other terms same as above.
MilesEdge
  • Annual Fee : $19
  • APR : 13.24% V
  • Additional Information : APR is Prime + 4.99%. Other terms same as above.
Money Return Platinum Plus
  • Annual Fee : None
  • APR : 14.24% V
  • Additional Information : APR is Prime + 5.99%. Other terms same as above.
Nature Conservancy
  • Annual Fee : None
  • APR : 7.90% (Platinum Plus); 13.90% (Preferred)
  • Additional Information : Cash advance fee: $75 max. Fixed rate card. Other terms same as above.
Platinum Plus
  • Annual Fee : None
  • APR : 7.90% F
  • Additional Information : All terms same as above.
Rewards American Express
  • Annual Fee : None
  • APR : 7.90% F
  • Additional Information : Terms same as above.
Sierra Club
  • Annual Fee : None
  • APR : 7.90% F (Platinum Plus); 13.99% F (Preferred)
  • Additional Information : Terms same as above.
Standard Visa with World Points (Phone offer)
  • Annual Fee : None
  • APR : 9.99% or 15.99% F
  • Additional Information : Terms same as above.
US Airways Signature
  • Annual Fee : $90
  • APR : 18.24% V
  • Additional Information : APR is Prime + 9.99%. Other terms same as above.
BB&T Bank • 800-476-4228
Platinum Fixed Rate (Phone Offer)
  • Annual Fee : $19 with bank account; $29 without (Waived first year)
  • APR : 13.90% F
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. Late fee: $35. Over limit fee: $35.
Platinum Variable Rate (Internet Offer)
  • Annual Fee : None
  • APR : 12.15% or 13.15% V
  • Additional Information : APR is Prime + 3.90%-4.90%. Other terms same as above.
Platinum Variable Rate Standard (Internet Offer)
  • Annual Fee : $19 (18.15% APR); $29 (24.15% APR)
  • APR : 15.15%-24.15% V
  • Additional Information : APR is Prime + 6.90%-15.90%. Other terms same as above.
Capital One • 800-424-9977
No Hassle Miles Platinum Rewards
  • Annual Fee : None
  • APR : 13.90% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. No late fee. No over limit fee. APR is LIBOR + 8.53%.
Platinum Max
  • Annual Fee : None
  • APR : 9.90% or 12.90% F
  • Additional Information : Late fee is tied to balance amount: Under $100, $29; $1,000 plus, $35. Over limit fee: $29. Other terms same as above.
Platinum Prestige
  • Annual Fee : None
  • APR : 7.90% V
  • Additional Information : APR is LIBOR + 2.53%. Other terms same as above.
Chase • 888-215-3049
AARP Rewards Platinum (code: 646Z)
  • Annual Fee : None
  • APR : 14.24%, 18.24% or 23.24% V
  • Additional Information : Grace period: At least 20 days. Cash advance fee: 3%/$10 min./No max. Late fee is tied to balance amount: Under $150, $15; $150-$1,200, $29; $250 plus, $35. Over limit fee: $29.00-$39.00. APR is Prime + 5.99%, 9.99% or 14.99%.
AOL Rewards with Flexible Rewards (code: 6Y8G)
  • Annual Fee : None
  • APR : 15.24% (Elite); 19.24% (Premium); 23.24% (Standard)
  • Additional Information : Late fee is tied to balance amount: Under $100, $15; $100-$250, $29; $250 plus, $39. Over limit fee: $39.00. APR is Prime + 6.99%, 10.99% or 14.99%. Other terms same as above.
Chase Freedom Points & Cash (code: 76NS)
  • Annual Fee : None
  • APR : 14.24% (Elite); 18.24% (Premium); 23.24 (Standard) V
  • Additional Information : All terms same as above.
Chase PerfectCard (code: 64DY)
  • Annual Fee : None
  • APR : 15.24% (Elite); 19.24% (Premium); 23.24% (Standard) V
  • Additional Information : Late fee is tied to balance amount: Under $250, $15; $250 plus, $39. Other terms same as above.
Chase Platinum (code: 64DN)
  • Annual Fee : None
  • APR : 12.24% (Elite); 16.24% (Premium); 23.24% (Preferred) V
  • Additional Information : APR is Prime + 3.99%, 7.99% or 14.99%. All other terms same as above.
Continental WorldCard Platinum (code: 64GZ)
  • Annual Fee : $85 (World); $65 (Platinum)
  • APR : 18.24% V
  • Additional Information : No late fee on World card. APR is Prime + 9.99%. All other terms same as above.
Fidelity Bank (Phone Offer)
  • Annual Fee : None
  • APR : 16.24% V
  • Additional Information : Over limit fee is $35.00-$39.00. APR is Prime + 7.99%. All other terms same as above.
Free Cash Rewards Platinum (code: 64D8)
  • Annual Fee : None
  • APR : 14.24% (Elite); 18.24% (Premium); 23.24% (Standard) V
  • Additional Information : Over limit fee is $39.00. APR is Prime + 5.99%, 9.99% or 14.99%. All other terms same as above.
Southwest Airlines Rapid Rewards Signature (code: 7NR4)
  • Annual Fee : $59 (Signature); $39 (Classic)
  • APR : 16.90% V
  • Additional Information : No over limit fee on Signature. $39 on Classic. APR is Prime + 8.65%. All other terms the same.
TravelPlus Rewards (code: 64F3)
  • Annual Fee : None, but $29 fee for airlines miles reward program
  • APR : 14.24% (Elite); 18.24% (Premium); 23.24% (Standard) V
  • Additional Information : Late fee: $39. APR is Prime + 5.99%, 9.99% or 14.99%. All other terms the same.
Citi • 800-950-5114
American Airlines AAdvantage World Gold and Platinum 877-766-2484
  • Annual Fee : $50 (Gold); $85 (Platinum) (Waived first year)
  • APR : 18.24% V
  • Additional Information : Grace period: 20 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $100, $15; $100-$250, $29; $250 plus, $39. Over limit fee: $39.00. APR is Prime + 9.99%.
Associated Bank Platinum 800-662-7759
  • Annual Fee : None
  • APR : 20.24% (Standard); 16.24% (Platinum) V
  • Additional Information : Over limit fee is $35. APR is Prime + 11.99% or 7.99%. All other terms the same.
Citi Home Rebate 800-248-4226
  • Annual Fee : None
  • APR : 12.24% V
  • Additional Information : APR is Prime + 3.99%. All other terms the same.
Citi Simplicity 866-696-5673
  • Annual Fee : None
  • APR : 11.33% V
  • Additional Information : Over limit fee is $39. APR is Prime + 6.01%. All other terms the same.
Diamond Preferred Rewards 800-248-4226
  • Annual Fee : None
  • APR : 11.57% V
  • Additional Information : APR is LIBOR + 6.25%. All other terms the same.
Driver’s Edge Platinum (Internet Offer) 877-645-1898
  • Annual Fee : None
  • APR : 12.24% or 13.24% V
  • Additional Information : APR is Prime + 4.99%. All other terms the same.
Phillips 66-Conoco 76 877-645-1898/866-383-5646
  • Annual Fee : None
  • APR : 11.24% or 14.24% V
  • Additional Information : APR is Prime + 5.99%. All other terms the same.
Platinum Select 800-456-4277
  • Annual Fee : None
  • APR : 15.24% V
  • Additional Information : APR is Prime + 6.99%. All other terms the same.
Quicken Platinum Select 800-772-7889/800-422-3118
  • Annual Fee : None
  • APR : 14.24% V
  • Additional Information : Late fee: $39. APR is Prime + 5.99%. All other terms the same.
Sears Card 877-319-7904
  • Annual Fee : None
  • APR : 11.24% or 14.24% V
  • Additional Information : Late fee is tied to balance amount: Under $100, $15; $100-$250, $29; $250 plus, $39. All other terms the same.
Universal Platinum 800-423-4343/800-662-7757
  • Annual Fee : None/$39
  • APR : 14.24% V
  • Additional Information : All terms the same.
Universal Rewards ThankYou Points 800-423-4343/800-662-7757
  • Annual Fee : None
  • APR : 25.40% V
  • Additional Information : Late fee is tied to balance amount: Under $50, $15; $50-$1,000, $29; $1,000 plus, $35. Over limit fee: $39. APR is Prime + 17.15%. All other terms the same.
Commerce Bank • 800-453-2265
Garfield Card
  • Annual Fee : None
  • APR : 12.15%-19.15% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $100, $10; $100-$1,000, $29; $1,000 plus, $35. Over limit fee: $29. APR is 3.90%-10.90%.
Discover • 800-487-2978
Gas Card
  • Annual Fee : None
  • APR : 10.99%-17.99% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $500, $15; $500 plus, $39. Over limit fee: $15 on balances up to $500; $39 on balances over $500. APR is Prime + 2.74%-9.74%.
Miles Card
  • Annual Fee : None
  • APR : 10.99%-17.99% V
  • Additional Information : All terms are the same.
Platinum
  • Annual Fee : None
  • APR : 10.99%-17.99% V
  • Additional Information : Over limit fee: $15 on balances up to $500; $39 on balances of more than $500 or $15 on balances up to $1000, and $35 on balances of more than $1000. All terms are the same.
EverBank • 888-882-3837
EverCard Platinum
  • Annual Fee : None
  • APR : 10.15% or 13.15% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 2.50%/$2.50 min./No max. Late fee: $29. Over limit fee: $29. APR is Prime + 1.90%-4.99%.
First Command Bank • 888-763-7600
Classic
  • Annual Fee : None
  • APR : 10.25% F
  • Additional Information : Grace period: 25 days. No cash advance fee. No late fee. No over limit fee.
Platinum
  • Annual Fee : None
  • APR : 9.25% V
  • Additional Information : APR is Prime + 1.00%. All other terms the same.
Franklin Templeton Bank & Trust • 800-238-2761
Platinum Preferred
  • Annual Fee : None
  • APR : 11.74% V
  • Additional Information : Grace period: 25 days. Cash advance fee: 3%/$5 min./No max. Late fee: $29. Over limit fee: $29. APR is Prime + 3.49%.
GE Money Bank • 866-423-3796
GE Money Low APR Card
  • Annual Fee : None
  • APR : 12.24% V
  • Additional Information : Grace period: 20-25 days. Cash advance fee: 3%/$5 min./No max. Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $39. Over limit fee: $25.00, balances up to $1000; $35, balances of more than $1,000. APR is Prime + 3.99%.
Net Rewards/Cash Rewards Card
  • Annual Fee : None
  • APR : 9.24%, 11.24%, 14.24% or 18.24% V
  • Additional Information : Grace period: 20 days. Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $39. Some cards have $39 over limit fee. APR is Prime + 0.99%, 2.99%, 5.99% or 9.99%.
Wal-Mart Discover 866-611-1148
  • Annual Fee : None
  • APR : 12.37%, 18.37% or 21.37% V
  • Additional Information : Grace period: 25 days. Late fee is tied to balance amount: Under $100, $15; $100-$1,000, $29; $1,000 plus, $39. Over limit fee: $25-$35. APR is Prime + 4.12%, 10.12% or 13.12%.
No Links in Signatures by Site Rules - MSE Forum Team 2

Comments

This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture