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March 2009 Credit Card Survey

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Please select the letter to link to the alphabetical listing of credit card issuers:
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G

Garfield Visa® with Rewards

  • Card issued by : Commerce Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 07.99-13.99 (prime subject to a minimum of 6%)
  • Purchase APR : 13.99-19.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0
  • Over-the-Limit Fee : $29 depending on balance
  • Late Payment Fee : $15-$39 depending on balance
  • Penalty/Default APR : 27.99% F
  • Penalty/Default Trigger : In minimum monthly payment is not received by the respective due dates for two consecutive months
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee :
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		00.00%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 00.00%
    6 months
    None
    03.00%
    N/A
    $5
    None    		 21.99%
    N/A
    None
    N/A
    03.00%
    $10
    None
  • Rebate Description: Earn one point for every dollar spent on general purchases, two points per dollar for purchases at Docs Attic, and three points for every dollar of interest accrued on the monthly account balance.
  • Special Notes:

GE Money® Low APR Card

P.O. Box 981416, El Paso, TX 79998-1416

  • Card issued by : GE Money Bank
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Low Interest
  • Margin Index : Prime + 2.99 - 9.99%
  • Purchase APR : 10.24 - 17.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Failing to make a minimum payment when due, exceeding the Credit Limit or Cash Advance Limit or you making a payment that is not honored.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $5
    None    		 19.99%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: APR may vary upon credit worthiness.

GE Money® Net Rewards Card

P.O. Box 981416, El Paso, TX 79998-1416

  • Card issued by : GE Money Bank
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 2.99-9.99%
  • Purchase APR : 10.24 - 17.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Failing to make a minimum payment when due, exceeding the Credit Limit or Cash Advance Limit or you making a payment that is not honored.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $5
    None    		 19.99%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn 1 point for every $1 you spend. Redeem points for travel, merchandise, gift certificates or cash. Earn 2,500 or more points to start redeeming rewards.
  • Special Notes: APR may vary upon credit worthiness.

Glens Falls Natl Bank & Trust Co WorldPoints Platinum MasterCard

250 Glen Street Glen Falls, NY 12801

  • Card issued by : Glens Falls Natl Bank & Trust Co
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards
  • Margin Index : N/A
  • Purchase APR : 09.99-15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $39.00 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Any time the minimum payment is late, or the credit limit is exceeded, the default APR may be applied to future and outstanding balances.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 1.99%
    12 months
    None
    Unknown
    N/A
    Unknown
    Unknown    		 19.99%
    N/A
    None
    N/A
    03.00%
    $10.00
    $75.00
  • Rebate Description: Earn 1 reward per $1 of new net retail purchases. Redeem points for travel, car rental, hotel stays, cash, merchandise, or gift certificates. No limit to the amount of points you can earn.
  • Special Notes: The 1.90% introductory APR also applies to cash advances. APR may vary upon credit worthiness. Issued by FIA Card Services.

GM Flexible Earnings

PO Box 80082 Salinas, CA 93912-0082

  • Card issued by : Household Bank
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 10.49-15.40%
  • Purchase APR : 13.74% - 18.65%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $19 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 30.99%
  • Penalty/Default Trigger : If during the first 12 billing cycles of the acct your min. payment (or any greater amount) is received and posted to the acct after the Payment Due Date twice.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    12 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    12 months
    None
    3%
    N/A
    $10 ($15 after intro)
    		 20.99%
    N/A
    None
    N/A
    3%
    $15
    None
  • Rebate Description: 1% cash back or toward any other vehicle. 3% toward any eligible new GM vehicle. No limits to the amount of Earnings you may acquire within an acct year. Earnings are valid for 7 years from the end of the billing cycle in which they were earned. Expiration after 7 years will occur month-by-month, so 7 full years of Earnings are maintained. The Redemption Allowance is the max. amount of GM Card Earnings that can be applied toward the purchase or lease of each eligible, new GM Vehicle. Redemption Allowances are established for the duration of each vehicle's model year and may increase during promotional periods.
  • Special Notes: None

Gold Delta SkyMiles® Credit Card

200 Vesey Street New York, NY 10285

  • Card issued by : American Express Travel
  • Card Type : AmEx
  • Card Class : Gold
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime + 9.99%
  • Purchase APR : 13.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $95 after 1st yr**
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $19 - $38 depending on the balance depending on balance
  • Penalty/Default APR : 18.24%
  • Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
  • Maximum Default APR :27.24%
  • Universal Default Clause : No
  • Foreign Currency Fee : 2%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 9.99%
    12 months
    None
    None with this offer only
    N/A
    None
    None    		 21.24%
    N/A
    None
    N/A
    3%
    $5
    None
  • Rebate Description: Pay with miles feature. Earn 20,000 bonus SkyMiles the first time you make a purchase with your Card. Earn another 2,500 miles for adding a second Cardmember to your account. Earn at least 1 SkyMile for every eligible $1 you spend. Always Double Miles benefit. Always Double Miles offer applies at qualifying stand-alone supermarkets, drugstores, gas stations, home improvement and hardware stores, Delta and Song purchases and the U.S. Postal Service. Offer applies for wireless phone bill payments only. Offer applies for U.S. transactions only. Not valid in the departments of superstores or warehouse clubs. No cap on the miles you can earn. One companion coach ticket each year upon renewal.
  • Special Notes: Members must do one of the following at least once every 3 years: (a) earn SkyMiles through one of the SkyMiles programs partners - including the [Gold, Platinum] Delta SkyMiles Credit Card, (b) redeem SkyMiles for any SkyMiles Award, or (c) take at least one qualifying flight on Delta, a Delta Connection? carrier, Delta Shuttle? or Song? purchased with a fare that is eligible for SkyMiles mileage credit. Blackout dates and other restrictions apply. Dishonored Check Fee: $38. Wire Transfer Fee: $15. Stop Payment Order Fee: $29. Statement Copy Fee: $5.

Golf Digest Platinum Plus® MasterCard® Credit Card

PO Box 15020 Wilmington, DE 19850

  • Card issued by : Bank of America
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : N/A
  • Purchase APR : 09.24 - 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on the acct balance on the fee assessment date. depending on balance
  • Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    15 months
    None
    3% intro, 4% after
    N/A
    $10
    None    		 19.24%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: Earn 1 point for every $1 in net retail purchases. Earn double points for every purchase made at the Golf Digest Pro Shop. Redeem your points for a variety collectibles, merchandise, and gift certificates. Enjoy rewards such as: 6,100 points = Callaway HX Tour Golf Balls, 7,900 points= The Ritz-Carlton $50 Gift Certificate, 21,100 points= Odyssey White Hot 2-Ball Putter. No limit to the number of points you can earn each year. Points do not expire for 5 years. Redeem points online or by telephone for travel, golf merchandise and electronics rewards. Points will not be earned for Cash advances, Balance Transfers, traveler's checks, overdraft protections and convenience checks. You are not eligible to earn Points with the Choice Privileges Visa card if: 1) You are in default of your Cardholder Agreement (e.g., you do not make your Minimum Payment Due by the Payment Due Date); 2) Your Choice Privileges Visa account is closed by you or Bank of America; or 3) You do not have an open Choice Privileges membership.
  • Special Notes: Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10). Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of August 11, 2007, will include fines and bail bonds.
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.