Public Savings Bank
 |  | 0.00% | Up to $2,000 | No | N/A | 10.99% | See website for details | 0% | Yes |  |
The Public Savings Bank Secured Credit Card is an excellent way to establish a positive credit history and designed especially for people with no credit history, or who have current and past credit problems. Your payment history is reported to the three major credit bureaus so that you can begin to establish your credit.
DETAIL INFORMATION >> | ServicesServices1. They will not charge you interest on purchases if you pay your entire balance by the due date each month.
2. Secured credit cards build credit history and have no transactional or monthly fees
AdvantagesAdvantages1. Reports to all 3 Major Credit Bureaus
2. 4 Ways to Fund Your Security Deposit
3. No checking account required.
4. No Annual Fees or Monthly Maintenance Fees
5. Rush Shipping Available
6. No Credit Check
7. Choose your credit limit from $300 to $2000
8. Accepted everywhere you see the Visa logo
9. 0% APR on purchases for the first 6 months
DisadvantagesDisadvantages1. $75 application fee.
2. After the first six months, APR will be 11.24%. This APR will vary with the market based on the Prime Rate but will not exceed 18%.
3. Minimum monthly payment is $10 or 2% of the total of the balance on the card, whichever is greater.
4. Cash Advance is either $5 or 3.50% of the amount of each cash advance, whichever is greater.
5. Foreign Transaction is 2% of each transaction in U.S. dollars.
6. You must be at least 21 years of age to apply |
Bryant State Bank MasterCard
 |  | 11.25% | Ask on application | No | N/A | 11.25% | 3.25% | 11.25% | No | |
The Bryant State Bank MasterCard offers an APR of 11.25% enabling you to save more of your money if you need to carry a balance on your new purchases. You can get 24 hour online account access, check your balance, view transactions or make payments conveniently.
DETAIL INFORMATION >> | ServicesServices1. Worldwide access.
2. 24/7 Online Account Access.
AdvantagesAdvantages1. Low Interest Rate
2. Introductory Balance Transfer Rate
3. No Balance Transfer Fee
4. $0 Fraud Liability
5. 24/7 Online Account Access
6. Emergency Cash Advance & Card Replacement
7. Worldwide Acceptance
DisadvantagesDisadvantages1. Annual Fee $20.00 per year
2. Late Payment Fees
- $10 for balance less than $100
- $25 for balance between $100 and $1000
- $35 for balance greater than $1000 |
Platinum Zero
 | | 0.00% | $500.00 | Yes | N/A | 9.99% | N/A | 0.00% | No | |
The Platinum Zero Secured Visa Credit Card has many excellent benefits and practical features. They offer you Zero APR on Purchases, Zero Application Fee and this credit card is accepted worldwide at millions of locations.
DETAIL INFORMATION >> | ServicesServices1. Accepted worldwide at millions of locations.
2. Simple online application
AdvantagesAdvantages1. Zero APR on purchases
2. Zero worries - Free personal ID theft protection
3. No Application fee
4. Zero Delays - Timely credit bureau reporting.
5. Zero fraud liability.
6. Accepted worldwide at millions of locations.
7. Simple online application
8. Credit bureau reporting.
DisadvantagesDisadvantages1. Annual Percentage Rate on cash advances is 9.99%.
2. Monthly maintenance fee - $9.95
3. Additional card fee - $50.00 |
Discover More Card
 |  | 0.00% | Ask on application | No | 5.00% | 23.99% | 0.00% | 0.00% | No | |
The Discover More Card offers you a 5% Cashback Bonus on popular category purchases. They have customer service that puts you first with live phone support within 60 seconds, guaranteed. Easy online servicing options that put you in control and timely email reminders to help you avoid fees.
DETAIL INFORMATION >> | ServicesServices1. APR for purchases is 0% for 6 months from the date of account opening, then the standard APR,a rate between 11.99% variable and 20.99% variable
AdvantagesAdvantages1. No annual fee.
2. Cashback Bonus on popular category purchases.
3. 0% introduction APR
4. 0% purchase APR
5. Customer Service That Puts You First
6. Live phone support within 60 seconds, guaranteed
7. Easy online servicing options that put you in control
8. Timely e-mail reminders to help you avoid fees
DisadvantagesDisadvantages1. Foreign Currency Transaction Fee is 2% of the U.S. dollar amount of each purchase made in a foreign currency.
2. Late Fee is $19 on balances up to $250 and $39 on balances over $250
3. After introductory period, APR will be 11.99% - 20.99%
4. Balance Transfer Fee is 4% |
Simmons First VISA Platinum Rewards
 | | 9.25% | Ask on application | No | N/A | 13.25% | 7.25% | 7.25% | No | |
A Simmons First VISA Platinum credit card claims to give you more than just an emergency expense tool. You can apply online and take advantage of the practical features and benefits that this card offers including; Global Acceptance, Travel Insurance, Car Rental loss/damage waiver and emergency cash and credit card replacement.
DETAIL INFORMATION >> | ServicesServices1. 18 years of age or older and a United States Citizen
AdvantagesAdvantages1. Obtain cash on a 24-hour basis from ATMs worldwide where Visa credit cards are accepted.
2. All cardholders covered with Travel Accident Insurance at no additional cost.
3. Emergency cash and credit card replacements.
4. Cardholders who enroll in the program receive one point per net dollar spent.
5. Coverage for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met.
6. No annual fee.
DisadvantagesDisadvantages1. Excellent credit is required.
2. Transaction Fee for Cash Advances is 3.00% of the amount, but not less than $4.00 nor more than $50.00.
3. Late Payment Fee $29.00 |
IberiaBank Visa Gold Cashback Rewards Card
 | | 9.25% - 15.25% | Assigned based on application | No | 1% | 14.75%, 18.25%, or 21.25% | 1.99% | 9.25% - 15.25% | No | |
The IberiaBank Visa Gold Cashback Rewards Card allows you to earn 1% in cash back credit on all qualifying purchases. There is no limit on the cash back and no expiration date on eligibility for accounts in good standing. There is no annual membership fee with this credit card, but you must have good credit in order to be approved.
DETAIL INFORMATION >> | ServicesServicesOnline access to credit card information
AdvantagesAdvantages1. Earn 1% in cash back credit on all qualifying purchases
2. No limit on cash back; no expiration date on eligibility for accounts in good standing
3. Travel accident coverage up to $500,000
4. No annual membership fee
5. Low, variable rate APR of 9.25%, 12.25%, and 15.25%
6. Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles.
7. Online access to credit card account information
DisadvantagesDisadvantages1. Foreign transaction fee is 2% of the transaction amount.
2. They need to verify your income and your employment.
3. They require more information than other credit card companies.
4. Minimum 6 months length of employment with current employer
5. Please consider credit status when applying — Excellent Credit Required |
Iberia Bank Visa Select
 | | 0.00% | Dependent on application and credit information | No | N/A | 12.75% | 1.99% | 0.00% | No | |
The Iberia bank Visa Select card offers an introductory rate of 0.00% for 12 months from date opened on purchases. After this there is an ongoing variable APR rate of 7.50%. You can easily apply online and you receive online access to credit card information 24/7.
DETAIL INFORMATION >> | ServicesServices1. APR for Cash Advances 12.75%
2. If you are charged interest, the charge will be no less than $1.00.
AdvantagesAdvantages1. Introductory Rate of 0.00% for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less than $1.00). This rate will not change during the introductory period.
2. Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles on Balance Transfers.
3. Low Ongoing Variable Rate APR after introductory period of 7.50%. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
4. Online access to credit card account information
DisadvantagesDisadvantages1. After the introductory APR rate, your APR will be 7.50%.
2. After introductory balance transfer rate, your APR will be the same as your assigned purchase rate.
3. Annual Fee is $35
4. Foreign Transaction 3% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs. |
Iberia Bank Visa Platinum
 | | 9.25% - 15.25% | Dependent on application and credit information | No | N/A | 14.75%, 18.25%, or 21.25% | 1.99% | 9.25% - 15.25% | No | |
The Iberia bank Visa Platinum card allows you to earn 1 bonus point for every $1 in qualifying net retail purchases. You are able to turn your points into hotel trips, gifts or experience rewards. There is no annual membership fee associated with this card.
DETAIL INFORMATION >> | ServicesServicesAPR for Cash Advances is 14.75%, 18.25%, or 21.25%
AdvantagesAdvantages1. Earn 1 bonus point for every $1 in qualifying net retail purchases
2. Turn your points into hotel, gift, or experience rewards
3. Travel accident coverage up to $1,000,000
4. No annual membership fee
5. Low, variable rate APR of 9.25%, 12.25%, and 15.25%.
6. Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles.
7. Online access to credit card account information
DisadvantagesDisadvantages1. Foreign Transaction is 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs. |
Iberiabank Visa Classic
 | | 7.25% - 13.25% | Dependent on application and credit information | No | N/A | 12.75%, 16.25%, or 19.25% | 2% | 7.25% - 13.25% | No | |
The Iberia Bank Visa Classic has a low variable rate of 7.25%, 10.25% or 13.25% based on your credit worthiness. There is no annual membership fee and you receive online access to your credit card account information.
DETAIL INFORMATION >> | ServicesServices1. APR for Cash Advances is 12.75%, 16.25%, or 19.25%
AdvantagesAdvantages1. No annual membership fee
2. Low variable rate of 7.25%, 10.25%, or 13.25% as of 1/1/10 based on your credit worthiness.
3. Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period.
4. Online access to credit card account information
DisadvantagesDisadvantages1. After your introductory period your APR on balance transfers will be the same as your assigned purchase rate, based on your creditworthiness.
2.Foreign Transaction is 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs |
Discover Student Credit Card
 | | 0.00% | Ask on application | No | 5% | 23.99% | N/A | 0.00% | No | |
The Discover Student Card is the simple solution for building your credit for college students. With this card you get easy online account management, cashback bonus on every purchase and 24/7 customer service. You can even choose the design that fits your style!
DETAIL INFORMATION >> | ServicesServices5% Cashback Bonus:
Jan–Mar 2010 -Travel
Apr–Jun 2010 - Home and Fashion
Jul–Sep 2010 - Gas, Hotels and Movies
Oct–Dec 2010 Restaurants and Fashion
AdvantagesAdvantages1. 0% APR for 6 Months
2. No Annual Fee
3. Cashback Bonus on every purchase
4. Easy online account management
5. $0 Fraud Liability
6. 24/7 Customer Service
7. Choose the card design that fits your style
DisadvantagesDisadvantages1. 0.0% for 6 months from the date of account opening; then the standard APR, a rate between 15.99% variable and 20.99% variable.
2.Foreign Currency Transaction Fee is 2% of the U.S. dollar amount of each purchase made in a foreign currency.
3. Cash Advance Fee is 5% for each cash advance, with a minimum of $10 and no maximum.
4. Late fee is $19 on balances up to $250 and $39 on balances over $250. |
Escape by Discover Card
 | | 0.00% | Dependent on application and credit information | No | N/A | 23.99% | 0.00% | 0.00% | No | |
The Escape by Discover Card gives you a 0.00% introduction APR rate on balance transfers and purchases for the first 6 months. After this, the Purchase APR is 10.99% - 16.99% variable thereafter based on your credit history. The annual fee is $60.
DETAIL INFORMATION >> | ServicesServices1. Unrestricted Travel
2. Unlimited Double Miles
3. ShopDiscover
4. Redemption Options
AdvantagesAdvantages1. Unlimited Double Miles on all purchases
2. Enhanced travel benefits
3. Redeem Miles for travel credits, cash or gift cards
4. Primary Car Rental Insurance
5. Lost or Damaged Luggage Insurance
6. Travel Delay Insurance
7. Trip Cancellation Insurance
DisadvantagesDisadvantages1. $60 annual card fee
2. (APR) For Purchases 0.0% for 6 months from the date of account opening; then the standard APR, a rate between 10.99% variable and 16.99% variable.
3. Balance Transfers: 0.0% for 6 months after the first transaction posts to your account under this offer, then the standard APR for purchases.
4. Late Fee is $19 on balances up to $250 and $39 on balances over $250.
5. Balance Transfer fee of 3% |
Discover Open Road card
 | | 0.00% | Dependent on application and credit information | No | 1% | 23.99% | 0.00% | 0.00% | No | |
The Discover Open Road card gives you double the cash back bonus automatically on your first $250 in purchases each month at any gas station and any restaurant. You receive 0% Introductory APR on balance transfers for 12 months and 0% on purchase APR for 6 months. There is no $0 annual fee and unlimited cash awards.
DETAIL INFORMATION >> | ServicesServicesThe Discover Card cash rewards program is called the Cashback Bonus Program. The Discover Open Road Card makes it easy to earn Cashback Bonus with Double Cashback Bonus on up to $250 in gas and restaurant purchases, every month. You also earn up to 1% Cashback Bonus on all your other purchases. There is no limit to the amount of Cashback Bonus you can earn
AdvantagesAdvantages1. 0% intro APR Balance transfers for 12 months.
2. 0% purchase APR for 6 months, as low as 11.99% - 20.99% variable APR thereafter based on your credit history.
3. $0 annual fee.
DisadvantagesDisadvantages1. 0% purchase APR for 6 months, after 11.99% - 20.99% variable APR thereafter based on your credit history
2. Foreign Currency Transaction Fee 2% of the U.S. dollar amount of each purchase made in a foreign currency
3. Balance Transfer fee of 4% |
Discover Motiva Card
 | | 3.99% | Dependent on application and credit information | No | 1% | 23.99% | 3.99% | 3.99% | No | |
The Discover Motiva Card is a card that pays you back for paying on time. You can earn 2 months interest back each year when you pay on time every month. They offer an introductory APR rate of 3.99% on balance transfer for 12 months. They also offer a 3.99% Purchase APR for 6 months, as low as 11.99% variable APR thereafter based on your credit history.
DETAIL INFORMATION >> | ServicesServicesThe Discover Card cash rewards program is called the Cashback Bonus Program. The new Discover Motiva Card makes it easy to earn Cashback Bonus in 2 ways—by paying on-time and making purchases. You'll earn up to 1% Cashback Bonus on every purchase. You can also earn a Pay-On-Time Bonus for making your payments on-time. There is no limit to the amount of Cashback Bonus you can earn!
AdvantagesAdvantages1. $0 annual fee.
2. 2 Months Interest Back each year when you pay on time every month
DisadvantagesDisadvantages1. 3.99% for 12 months from the date of account opening, then the standard APR, a rate between 11.99% variable and 20.99% variable.
2. Foreign Currency Transaction Fee is 2% of the U.S. dollar amount of each purchase made in a foreign currency
3. Balance Transfer Fee of 4% |
Miles by Discover Card
 | | 0.00% | Dependent on application and credit information | No | N/A | 23.99% | 0.00% | 0.00% | No | |
The Miles by Discover card allows you to travel with no restrictions. You will receive a 0% introductory bonus on all balance transfers for 6 months and 0% purchase APR for 6 months. After this, based on your credit history, you will pay 10.99% - 16.99% variable APR. You are able to earn miles with no annual fee.
DETAIL INFORMATION >> | ServicesServicesDouble Miles on your first $3,000 in travel and restaurant purchases each year, 1 Mile for every $1 on all other purchases
AdvantagesAdvantages1. Live phone support within 60 seconds, guaranteed
2. Easy online servicing options that put you in control
3. Timely e-mail reminders to help you avoid fees
4. 0% Purchase APR for 6 months
5. $0 Annual Fee
DisadvantagesDisadvantages1. 0% Purchase APR for 6 months, 10.99% - 16.99% variable APR thereafter based on your credit history
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