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| Chase Freedom℠ Visa |

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Intro APR |
Intro Period |
Purchase APR |
Cash APR |
Annual Fee |
| N/A |
12 Months |
12.99% to 22.99% |
19.24% or 23.24% |
$0 |
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- 5% cash back offers in popular categories like gas, home improvement and department stores
- Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
- Up to an additional 20% cash back at select merchants when you shop online through Chase
- 0% Intro APR* and No Annual Fee*
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The Chase FreedomSM Visa credit card, issued by Chase, is designed for those who have good or excellent credit and who plan to take advantage of the cash rewards program.
This card offers a 0% introductory rate on purchases and balance transfers. The length of the introductory period varies based on the individual's application and credit history. The APR for purchases is 0% for 6 months, and the APR for balance transfers is 0% for 12 months.
Through the rewards program, cardholders earn 5% cash back in rotating categories such as gas, home improvement and department stores. Up to to 10% cash back - even up to 20% cash back at select merchants - can be earned when you shop online through Chase. Cardholders will also earn a 1% rebate for each $1 of net purchases. There are no spending tiers or earning caps, and cash rebates never expire.
Beyond the rewards program, this card offers limited cardholder benefits, such as zero liability for unauthorized transactions. The Chase FreedomSM Visa credit card has no annual fee and a reasonable APR for purchases for those who qualify. Therefore, those who plan to take advantage of the cash rewards program will benefit most from what Chase FreedomSM Visa has to offer.
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| Zync from American ExpressSM |
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Intro APR |
Intro Period |
Purchase APR |
Cash APR |
Annual Fee |
| N/A |
N/A |
No APR |
No APR |
$25 |
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- Earn 10,000 Membership Rewards® Points After First Purchase
- Enjoy a Low Annual Fee of Just $25 for Basic Card
- Pay No Interest - That's Because You Pay in Full Each Month
- Choose the Lifestyle Packs You Want to Customize Your Card with the Benefits You Use Most
- Protect Eligible Purchases With Purchase Protection and Extended Warranty
- Earn Membership Rewards(R) Points With Every Eligible Purchase - Redeem Points for Travel, Shopping, and Great Entertainment Rewards
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Zync from American Express(SM) is a rewards credit card that offers a full range of customizable card benefits. Membership Rewards®, which can be redeemed for travel, shopping and entertainment rewards, are earned with every eligible purchase. Cardholders can also choose which Lifestyle Pack offers them the benefits they use most. Zync from American Express(SM) has a low annual fee of just $25 for the Basic Card, which is waived the first year. And because the balance is paid in full each month, cardholders pay no monthly interest fees.
With Zync from American Express(SM), you can choose the Lifestyle Packs that fit you. Choose as many Packs as you want, or choose none at all. The Go Pack allows you to earn 2X Membership Rewards® points on airfare. Other benefits include discounts of up to 25% at Avis and Budget, and discounts of up to 20% at Hertz. You will also receive a $50 credit on any American Express Vacations package when you book before December 31, 2010.
The Social Pack allows you to earn 2X Membership Rewards® points on restaurant and events purchases. You can even get special access to event tickets before they go on sale to the public.
With the Connect Pack, you can earn 2X Membership Rewards® points on mobile and cable services, including cell phone, cable and internet. You will use 25% fewer points when you get mobile devices at membershiprewards.com.
The Eco Pack gives cardholders 2X Membership Rewards® points on purchases from select green merchants. You will use 25% fewer points on eco-friendly merchandise and carbon offsets purchased at membershiprewards.com/eco. Plus, for every Eco Pack membership, American Express will purchase $1 worth of carbon offsets from TerraPass, which funds reductions in carbon emissions at dairy farms and landfills across the U.S.
Therefore, if you're interested in a credit card that allows you to customize your benefits and you don't mind paying your balance in full each month, the Zync from American Express(SM) may be the right card for you. |
| IberiaBank Visa® Platinum Rewards Card |

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Intro APR |
Intro Period |
Purchase APR |
Cash APR |
Annual Fee |
| 1.99% |
6 Months |
9.25%, 12.25%, or 15.25%* |
14.75%, 18.25%, or 21.25%* |
$0 |
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- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
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The IberiaBank Visa® Platinum Rewards Card, issued by IberiaBank, is ideal for those with very good credit who plan to take advantage of the rewards program offered.
Through the rewards program, cardholders earn one point per dollar spent on qualifying purchases. Points are redeemable for merchandise, travel and gift certificates to participating restaurants and merchants. There is no annual fee for the ScoreCard® Bonus Points Program.
In addition, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.
Aside from the rewards program, cardholders can expect common benefits, such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and various online account services.
Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the rewards program will benefit most from what the IberiaBank Visa® Platinum Rewards Card has to offer. |
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