The Capital One MasterCard was listed as the best for card holders who generally carried a balance on their credit card. The card had a variable APR (Annual Percentage Rate) six point nine percent (6.9%). There was no annual fee, although other fees apply.
There is a twenty five days grace period
However, many of these benefits were only applicable if the card was applied for online, plus the APR could change based on the applicant’s credit history.
Pulaski Bank and Trust Company
This personal standard MasterCard offers card holders a low APR seven point nine nine percent (7.99%), which was also a fixed rate.
The Pulaski Bank MasterCards listed here were the personal standard and personal gold card. Both attracts annual fee of $35 and $50, respectively. Both cards also had an overlimit fee of $29, but no fees were payable for cash advance.
Fifth Third Bank
Fifth Third Bank’s platinum MasterCard was rated third in MasterCards based on APR rating where balances are carried forward. The card offers an attractive eight percent variable rate APR. This card a prime rate card so only applicants with great credit will qualify for the eight percent. However, other applicants if they do not qualify for the prime rate will not have to pay the $85 annual fee.
Other fees include a $39 charge for late payments and $35 for overlimit spending.
A twenty days grace period is available as well which is good if you sometimes have difficulty paying on time.
These benefits are also available to qualified applicants who apply online and live in certain states.
Of Mastercard Credit Card
With the Chase PerfectCard MasterCard you can earn rewards everywhere! You get cash back everywhere you use this credit card. At gas stations you save even more. For the first 90 days, you get 6% back on all gas purchases at any gas station. After that you get 3% cash back at gas stations. When you use the Chase PerfectCard everywhere else you get 1% cash back. Think of how much you'd save on your gas bill each year. It doesn't make sense to use cash or your debit card.
Most gas credit cards are applicable at just one gas station. If you're low on gas do you always want to go out of the way to a certain gas station? You could run out of gas driving across town to the other station. Or do you want to fill your wallet with a different credit card for each gas station? Your heavy wallet would weigh you down, nevermind the time it would take to search through those cards every day.
Another perk of this credit card is a 0% introductory rate on purchases and balance transfers for 12 months. For the first year there is no annual fee either. There is only a $19 annual fee if the cardholder doesn't make 9 purchases in the prior year. So the Chase PerfectCard can earn rebates that aren't eaten up by credit card fees.
There is a limit to the cash you can get back with this credit card. Each month you can get up to $15 back on gas. That works out to $500 in gas purchases for one month. That should cover the average person's fuel expenses. Up to $15 of free gas in a month sounds like too good an offer to pass up. Plus there is no limit to amount of rebates that can be earned from other purchases.
This credit card makes cash back more convenient too. Rebates you earn are automatically credited toward future purchases. Other cards often mail gift certificates or checks, which just delays your money.
You don't lose other platinum credit card features like purchase assurance, extended warranty protection, and travel accident insurance. The Chase PerfectCard MasterCard gives you everything and then some more. It lives up to its name.
Both Eric Wasselman & Jeremy Biberdorf are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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