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% |
--Joan Goldwasser
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