EASy math questions at the bottom of doc.

Citi® Platinum Select® MasterCard®

1. No Annual Fee

1. 8.99% APR on purchases

1. 19.99% Cash Advance APR

1. Cash advance fee: 3% or not less than $5 or more than $50

1. 27.99% Default Rate

1. 0% APR on balance transfers for 12 months

1. $0 liability on unauthorized charges

1. 20-day grace period if your total new balance is paid in full each billing period

1. $35 over credit limit fee

1. Late Fees: $15 on balances up to $100; $25 between $100–$1,000; $35 over $1,000

1. $12,000 minimum annual income required

1. Free online services

1. Personal information privacy

1. Photocard option available

1. Dedicated 24/7 Customer Service

Blue Cash® from American Express®

1. No Annual Fee

1. 0% introductory rate for 6 months

1. After 6 months, 8.99% to 13.99% depending upon payment history and credit record

1. 18.99% Cash advance APR

1. Cash advance fee: 4% or not less than $5 or more than $50

1. 23.99% penalty APR if you do not pay your minimum payment

Up to 5% cash back on purchases

Total Annual Spend

Cash Back on Everyday Purchases

Cash Back on Other Purchases

Up to $2000

0.5%

0.25%

$2,001–$6,000

1.00%

0.50%

$6,001–$50,000

3.00%

1.50%

Bonus % if you carry a balance

2.00%

0.50%

1. Late Fees: $15 on balances up to $100; $29 between $100–$1,000; $35 over $1,000

1. $29 fee for bounced check payment

1. $29 over the credit limit fee

1. Automatic bill pay available

1. 24/7 Customer Service

1. Online account access

1. Grace period if balance is paid in full each billing cycle

1. Emergency Card Protection

1. Purchase Protection Plan

1. Up to $20,000 personal credit limit

1. Undisclosed minimum annual income

Collegiate Visa® Card

1. $12 annual fee (waived the first year)

1. 14.75% APR

1. 14.75% Cash Advance APR

1. 18.75% APR Penalty APR

1. $20 late payment fee

1. $20 Over the credit limit fee

1. $15 Bounced payment check fee

1. $1000 credit limit

1. Online account access

Discover® Card for Students

1. No annual fee

1. 17.99% APR

1. 19.99–24.99% Default APR

1. 22.99% APR cash advance

1. Cash advance fee: 3% or not less than $5 or more than $50

1. 25 day grace period when balance is paid in full each month

1. 1% cash back, up to 2% cash back if credits are used to buy goods through the Cash Back Bonus Partner system

1. Late Payment fee $15–$35

1. Over the limit fee $15–$35

1. Variable credit limit

1. Travel Insurance

1. Free Discover 2GO® card upon request

1. What questions should a consumer ask before accepting a credit card?

1. Utilize the table below to evaluate the various credit card offers. It is possible that not all information is available for all cards.

Card Name

Interest Rate on Purchases

Cash Advance Rate

Annual Fee

Penalty APR

Grace Period

Late Payment Fee

Over Credit Limit Fee

Minimum Annual Income

Cash Back

Citi Platinum Select

Blue Cash from American Express

Collegiate Visa

Discover Card for Students