By: Sam Hafner and Benjamin Finzel

Discover-it card “See all it can do.”

 0% APR for first 14 months After that 10.99% to 22.99% APR depending on your credit  24.99% APR for cash advances  No penalty APR  Will not charge interest if balance is paid each month

 No annual set up fee  Balance Transfer=3% of the amount of each transfer  Cash Advance= $10/ 5% of the amount of each cash advance (whichever is greater)  No penalty fee for first late payment  After that $35  Returned payment equals $35

“Life takes Visa.”

 No annual membership fee  9.25% to 15.25% APR  Earn 1 bonus point for every dollar you spend  Can redeem merchandise with just 700 points  1.99 introductory APR on balance transfers (for first 6 billing periods)  14.75% to 21.25% APR for cash advances IBERBANK VISA PLATINUM CARD

 No annual fee  $5 per additional card  Balance transfer= 2% of the transfer amount  Foreign transaction= 2% of each transaction in U.S. dollars  $35 late payment and $35 return payment IBERBANK VISA PLATINUM CARD

“Life takes Visa.”

 Requires excellent credit  7.25% APR  11.25% APR for cash advances  7.25% APR for balance transfers  No balance transfer fee  3% fee on the amount on each cash advance (no less than $4, no more than $50)  2% fee on each foreign purchase  Late payment=amount equal to past due payment or $25 (whichever is less)  $25 return payment

“There are some things money can’t buy. For everything else, there’s Mastercard.”

 14.99% to 18.99% APR  25.24% APR for cash advances  27.24% penalty APR  $2 minimum interest charge (other cards were 50 cents)  No annual fee  Balance transfer=$10/4% of amount of transfer  $35 late payment  $35 return payment Barclaycard Arrival World Mastercard

Card nameDiscover ItIberbank Visa Platinum Simmons First Visa Platinum Barclay Mastercard APR$109.90$92.50$72.50$ Late Fee$35 $25$35 Bonus Cash$10 N/A Penalty APRN/A $ Return Payment $35 $25$35 Total (Penalty) $ (N/A) $ (N/A) $ (N/A) $ ($492.30)