Best Credit Card Deals

The following tables list the best cards available nationally. CardTrak defines best cards as those that offer reasonable minimum credit lines and realistic approval rates plus bargain pricing. Shown are annual percentage rate of interest and toll-free phone numbers.

Low-rate standard cards (for consumers carrying balances)

Wachovia Bank: 7.75 v (800) 241-7990

Huntington Natl. Bank: 9.00 v (800) 480-2265

First USA Yahoo: 9.99 f (888) 459-2466

Amalg. Bank of Chicago: 10.50 v (800) 365-6464

AFBA Industrial Bank: 10.75 v (800) 776-2265

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No-fee standard cards (for consumers paying off balances each month)

Capital One Platinum: 9.90 f (800) 655-9116

First USA Yahoo: 9.99 f (888) 459-2466

AFBA Industrial Bank: 11.40 v (800) 776-2265

USAA FSB: 11.90 v (800) 922-9092

Pullman Bank & Trust: 12.50 v (800) 785-5626

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Low-rate gold/platinum cards (for consumers carrying balances and earning at least $30,000/yr)

Wachovia Bank: 7.75 v (800) 241-7990

Huntington Natl. Bank: 9.00 v (800) 480-2265

Capital One Platinum: 9.90 f (800) 655-9116

First USA Yahoo: 9.99 f (888) 459-2466

AFBA Industrial Bank: 10.75 v (800) 776-2265

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No-fee gold/platinum cards (for consumers paying off balances and earning at least $30,000/yr)

Capital One Platinum: 9.90 f (800) 655-9116

First USA Yahoo: 9.99 f (888) 459-2466

AFBA Industrial Bank: 11.40 v (800) 776-2265

Pullman Bank & Trust: 11.50 v (800) 785-5626

USAA FSB: 11.90 v (800) 922-9092

*

Rebate cards (for consumers paying off balances each month; each card charges no annual fee and earns rebates based on purchases and/or balances)

BMG Visa: 15.65 v (888) 264-8472

GE Rewards MasterCard: 17.40 v (800) 437-3927

Discover Card: 16.99 v (800) 347-2683

Sunoco MasterCard: 18.00 v (800) 424-5722

General Motors MasterCard: 18.15 v (800) 846-2273

*Footnote: v = variable rate; f = fixed rate

*Note: CardTrak information appears each Sunday with the U.S. Savings, Card Rates. Secured cards are featured today. See C2.

Source: CardTrak (800) 344-7714; or write: P.O. Box 3966, Gettysburg, PA 17325; $5.00 for this month’s complete survey. Also https://www.cardtrak.com