Low everyday fixed rates Enjoy everyday savings with MasterCard Gold and VISA Platinum annual percentage rates of 11.9 percent and VISA and MasterCard Classic annual percentage rates of 13.5 percent. There's no interest when you pay your balance in full each month. Penalty pricing happens when you miss your payment due date 2 or 3 times per year. Plus, you have a real grace period of 7 days before any late charge is assessed. Read the fine print.
Angry readers lash out at credit-card companies.
Credit Unions offer better deals than banks on credit cards. Late fees charged for on-time payments lead the long list of credit card horrors. You can get cash advances 24-hours a day, at any ATM displaying the VISA or MasterCard logo. You may also get a cash advance at most financial institutions and Western Union offices. Once this is set up, overdrafts are charged to your credit card as a cash advance.