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Credit Cards

Find the Best Credit-Card Deal

Possible new regulations might make materials soliciting new cardholders easier to read.

If reading credit-card documents gives you a headache, you are not alone. A recent GAO study found that materials soliciting new cardholders, and credit-card agreements themselves, are complicated, poorly organized and badly designed. "They have proven difficult for consumers to use in finding and understanding important information about their cards," the study concluded. The Federal Reserve is now reviewing Regulation Z, which spells out the disclosures that banks must make. Possible new requirements include a summary document and a m ore readable format.

Use our tool to search for the best credit card, or see the tables below.

PREMIUM CARDS: BEST OF THE LOW-RATE CARDS
Issuer Recent Rate Cash-Advance Rate/Fee Annual Fee/Grace Period Late/Over Limit
Capital One Platinum Prestige (P) 6.81% 19.71%/3% none/25 days $35+/$29
Simmons First National Bank (P) 7.25 11.25/3 none/25 days 29/29
Pulaski Bank & Trust (G) 7.99 7.99/none $50/25 days 29/29
Wells Fargo Bank (P) 8.25 23.49/4 19/20 days 35/35
Sun Trust Bank (P) 8.99 19.99/3 none/25 days 39+/39+

REBATE CARDS: BEST OF THE CASH-BACK CARDS
Issuer Recent Rate Cash-Advance Rate/Fee Annual Fee Rebate Terms
Discover Platinum Card (P) 10.99% 20.99%/3% none up to 5%*
American Express Blue Cash 13.24 23.24/3 none up to 5%
Capital One No Hassle Cash Rewards 13.81 19.71/3 none up to 2%
National City Everyday Rewards Elite Visa 14.24 24.24/3 none up to 4%
Chase Freedom Visa 14.24 24.24/3 none up to 3%

As of November 10; rates are adjustable. Banks may offer lower introductory rates. (P) Platinum card. (G) Gold card. +Depending on balance. *For purchases at specific merchants. Source: Bankrate.com.

--Joan Goldwasser