THE BEST REWARD CARDS

FOR YOU!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

SIMMONS FIRST VISA PLATINUM

“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

SIMMONS FIRST VISA PLATINUM

BARCLAYCARD ARRIVAL WORLD MASTERCARD

“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

CREDIT CARD COST COMPARISONCard name

Discover It

IberbankVisa Platinum

Simmons First VisaPlatinum

Barclay Mastercard

APR $109.90 $92.50 $72.50 $149.90

Late Fee $35 $35 $25 $35

Bonus Cash

$10 $10 N/A N/A

Penalty APR

N/A N/A N/A $272.40

Return Payment

$35 $35 $25 $35

Total(Penalty)

$189.90(N/A)

$172.50(N/A)

$122.50(N/A)

$219.90($492.30)

BEST CARD = SIMMONS FIRST VISA PLATINUM