According to www.bankrate.com, the top three MasterCards based on carry a balance were issued by Capital One, Pulaski Bank and Trust Company, and. Capital One 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 applicants 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 Banks 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. |
