The Credit Card Chart

11:45 p.m. CDT, June 13, 2012
interest rates on purchases as of June 13. If you typically pay off the entire balance monthly, look for a zero-annual fee card that allows the most interest-free or grace days. Some cards listed below feature special introductory or "teaser" rates for a specified time before regular rates apply. Additional fees and residency restrictions may apply. Rates are subject to change. Rebates and other benefits may be available.

 National avg.  APRs as of June 13     Standard   Gold    Platinum
                       8.20        8.88    12.75
Low APR Standard Cards

                               Reg.  Ann.  Grace Intro
 Card Name                 Phone         APR(%) Fee($)Days APR/mos
 1  First Federal Card                  (843)529-5800  07.15    0  25   na
 2  IberiaBank Visa(R) Classic Card     (800)968-0801  07.25    0  25   na
 3  First Federal CashBack ScoreCard    (843)529-5963  08.15    0  25   na
 4  Simmons First Visa(R) Classic       (800)272-2102  10.25    0  25   na
Low APR Premium Cards

Note: Minimum income requirements apply to Gold, Platinum and Signature cards, which offer higher credit limits to qualified customers.

                               Reg.  Ann.  Grace Intro
 Card Name                 Phone         APR(%) Fee($)Days APR/mos
 1  First Federal Gold MasterCard       (843)529-5800  07.15    35  25     na
 2  Simmons First Visa(R) Platinum      (800)272-2102  07.25    0  25     na
 3  IberiaBank Visa(R) Select Card      (800)968-0801  07.50    35  25    0.00/12
 4  BB&T Visa(R) Platinum Credit Card   (800)476-4228  08.15    0  25    0.00/12
 5  BBVA Compass ClearPoints Visa       (800)266-7277  09.24    0  25    0.00/6
 6  BBVA Compass Visa Signature Card    (800)266-7277  09.24    0  25    0.00/6
 7  M&T Visa(R) Credit Card             (800)724-3222  09.24    0  25     na
 8  IberiaBK Visa Gold Cash Back Rwds   (800)968-0801  09.25    0  25     na
 9  IberiaBK Visa Pltnm Rwds            (800)968-0801  09.25    0  25     na
 10 Simmons First Visa Pltnm Travel Rwd (800)272-2102  09.25    0  25     na
 11 SunTrust Platinum Visa(R)           (866)892-4683  09.99    0  25    0.00/6
 12 Comerica BK Visa Pltnm              (800)558-3424  09.99    0  30    0.00/12
 13 KeyBank MasterCard(R) Platinum      (866)951-3873  09.99    0  30    0.00/12
 14 U.S. Bank Visa(R) Platinum Card     (800)285-8585  09.99    0  30     na
 15 Wells Fargo(R) Platinum Card        (800)869-3557  10.15    0  25    0.00/6
 16 Simmons First Visa(R) Gold Select   (800)272-2102  10.25    0  25     na
 17 Capital One(R) Platinum Prestige    (800)250-1822  10.90    0  25     na
 18 Fifth Third Platinum MasterCard(R)  (877)579-5353  10.99    0  21    0.00/12
 19 PNC Flex(SM) Visa(R) Credit Card    (800)762-5684  10.99    0  21     na
 20 BankAmericard(R) Visa(R)            (800)732-9194  10.99    0  25    0.00/15
 V  - variable interest rate, usually based on an index
na -Not available

Source: Informa Research Services, Inc., 26565 Agoura Road, Suite #300, Calabasas, CA, 91302; http://www.InformaRS.com.