EASy math questions at the bottom of doc.

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

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.