Summary - The Providian Visa® Platinum Card is a no -frills credit card with no annual fee. The APR ranges from prime rate plus 1.99% to 11.99%, which means you can get a low ap if you have very good credit. There is also an introductory 0% APR for the first 12 months from account opening on balance transfers. Find out more about this card.... Fees - The Providian Visa Platinum has no annual fee. The apr ranges from prime rate plus 1.99% to 11.99%. Hence, if you have excellent credit, you could get a very low apr. New cardholders get a 0% apr for balance transfers for 12 billing cycles. Cardholders also get a grace period of 25 days versus the usual 20 days for most cards. However, the 2-cycle average daily balance method (including new purchase) is used to calculate monthly balances.

Summary - The Wells Fargo Prime Rate Visa credit card has the lowest apr in the credit card market. The apr is simply the prime rate. To make up for the fact that Wells Fargo gives such a good rate, they charge an annual fee of $19.00. Find out more about this card. Fees and Rates - The Wells Fargo Prime Rate Visa has an annual fee of $19.00. The apr is simply the prime rate. The average daily balance method (including new purchase) is used to compute your monthly balance. The grace period is 20 to 25 days.

Summary - The American Pacific Bank is a basic credit card with no rewards. However, it comes with an annual fee which is not appealing considering most credit cards these days have no annual fee. Find out more. Fees and Rates - Though there is no annual fee for the first year, the annual fee on subsequent years is $18.00 The APR is 3% lower than the visa classic at 16.92%. The American Pacific Bank Gold Mastercard gives a 25 day grace period and uses the average daily balance method (including new purchase) of calculating balances.

Summary - The American Pacific Bank Gold Mastercard is a step up from the visa classic. It is a basic credit card with no rewards. However, it comes with an annual fee which is not appealing considering most credit cards these days have no annual fee. Find out more. Fees and Rates - Though there is no annual fee for the first year, the annual fee on subsequent years is $35.00 The APR is 3% lower than the visa classic at 13.92%. The American Pacific Bank Gold Mastercard gives a 25 day grace period and uses the average daily balance method (including new purchase) of calculating balances.

Summary - The Citi® Diamond Preferred® Card is a great credit card for those looking for a no-frills card with a low APR and a good balance transfer deal. Find out more about this card... Fees - The Citi® Diamond Preferred® Card has no annual fee. The APR is as low as prime rate plus 1.99% (depending on your credit). Furthermore, unlike many cards, Citibank uses the average daily balance (including new purchases) to calculate monthly balance. New cardholders get a 0% APR for balance transfers and purchases for up to 12 months.