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