— Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 21 months and there are no late fees and no penalty rates.

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• Peace of mind through direct access to a service representative, no late fees and no penalty rate
• No annual fee*

— Great cash rewards with a low regular APR.

• Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
• 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 – 3/31/12.
• You’ll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• Up to an additional 10% Cash Back when you shop online at select merchants through Chase
• No annual fee and rewards never expire

— Lowest Regular APR — The Pulaski Bank Visa Card provides the lowest regular credit card interest rate anywhere—currently 6.5%.

• One of the best regular interest rates in the country
• 0% APR on balance transfers for 6 months
• No balance transfer fee
• No annual membership fee
• Fixed low regular APR

— Low Regular APR! — The IberiaBank Platinum Rewards Card is the card for you if you have good credit and want the lowest regular APR possible–currently as low as 8%.

• Earn 1 bonus point for every $1 in qualifying net retail purchases
• Turn your points into hotel, travel, gift or experience rewards
• No annual membership fee
• Low, variable rate APR
• 0% Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
• No transaction fee for balance transfers
• 25 Day grace period
• Online access to credit card account information

— A great first credit card for responsible full-time students.

• No Cosigner Required
• Earn 5% Cash Back on Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Convenience Stores, and Utilities (Including Cable) for 6 Months and 2% Thereafter*
• Earn a Full 1% Cash Back on All Other Purchases*