Good or bad credit personal loan and credit card. - http://creditfederal.com/article
Federal Credit Card Survey Ratings
http://creditfederal.com/article/articles/610/1/Federal-Credit-Card-Survey-Ratings
By CreditFederal.com - A good or bad credit personal loan, auto and mortgage financing, and credit card resource.
Published on 11/18/2008
 
Bi-annual Federal Reserve System survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.
Federal Survey of Credit Card Plans
Bi-annual Federal Reserve System survey of credit card plan terms offered by financial institutions. The report includes information from the largest credit card issuers in the country as well as other financial institutions that wish to participate in the survey. The credit terms shown in the accompanying list are as of July 31, 2008, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.

Codes Used in the List of Plans

Availability: Refers to availability of card to consumers
  - N = Nationally
  - R = Only in selected states
  - State abbreviation = Only in state specified

Type of pricing
  - F = Fixed
  - V = Variable
  - T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.

Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
  - 1 = Prime rate
  - 2 = One-month Treasury bill rate
  - 3 = Three-month Treasury bill rate
  - 4 = Six-month Treasury bill rate
  - 5 = One-year Treasury bill rate
  - 6 = Federal funds rate
  - 7 = Cost of funds to card issuer
  - 8 = Federal Reserve discount rate
  - 9 = Other
  - 0 = Not applicable

Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use such as frequent flyer miles.
  - 1 = Rebates on purchases
  - 2 = Extension of manufacturer’s warranty
  - 3 = Purchase protection/security
  - 4 = Travel accident insurance
  - 5 = Travel-related discounts
  - 6 = Automobile rental insurance
  - 7 = Non-travel-related goods and services
  - 8 = Credit card registration
  - 9 = Reduced introductory interest rate available
  - 10 = Other, not specified
  - N.R. = Not reported

Browse and apply for a secured or unsecured credit card with the features or rewards you desire.

1ST SUMMIT BANKPA- VISA9.50V125151,     3,  4,  5,  6,  10(888) 262-4010
3 NORTH MAIN STREETOH- VISA GOLD7.50V130504, (419) 525-8791
5STAR BANK (A COLORADO INDUSTRIAL BANK)N- 5STAR VISA PLATINUM11.9F02509, (888) 277-0444
ADIRONDACK TRUST COMPANY,  THENY- VISA15.0F025154,     6, (518) 584-5844
AMALGAMATED BANK OF CHICAGON- AMALGAMATED BANK OF CHICAGO - MASTER9.50V12504,     5,  10, (800) 365-6464
AMERICAN EXPRESS BANK,  FSBN- AMERICAN EXPRESS GOLD15.0V12095N.R.(800) 257-0770
AMERICAN EXPRESS CENTURION BANKN- BLUE FROM AMERICAN EXPRESS8.99V12002,     3,  4,  5,  6,  9,  10, (800) 528-4800
AMERICAN SAVINGS BANK,  F.S.B.HI- CLASSIC VISA16.3F025244,     6, (808) 272-2566
AMERICAN STATE BANKTX- AMERICAN STATE BANK VISA9.90F0250N.R.(325) 794-1000
APPALACHIAN COMMUNITY BANKN- VISA CLASSIC14.9F02512N.R.(706) 276-8000
ARVEST BANKR- VISA16.9V12504,     6,  8, (800) 356-8085
BANCORPSOUTH BANK R- MASTERCARD 8.90 V 1 30 0 N.R. (800) 844-2723
BANK MIDWEST,  NATIONAL ASSOCIATION R- VISA CLASSIC 12.9 V 1 25 0 2,     4,  6, (888) 985-4575
BANK OF CANTON,  THE MA- VISA CLASSIC 9.96 F 0 25 0 4,     5,  6,  8,  10, (781) 828-1690
BANK OF KENTUCKY,  INCORPORATED,  THE R- VISA GOLD 10.3 V 1 25 0 4,     9, (859) 372-5170
BANK OF LOUISIANA N- VISA AND MASTERCARD 9.90 F 0 25 0 N.R. (800) 353-6454
BANK,  THE NJ- VISA 12.0 V 1 25 0 2,     3,  4,  6, (800) 833-9295
BANKERS' BANK OF KANSAS,  NATIONAL ASSOCIATION KS- VISA 13.4 V 1 25 0 4,     6, (800) 675-6284
BAR HARBOR BANK AND TRUST COMPANY ME- VISA CLASSIC CARD 14.5 F 0 25 0 N.R. (888) 853-7100
BARCLAYS BANK DELAWARE N- US AIRWAYS WORLD MASTERCARD 15.0 V 1 20 79 4,     5,  6,  9,  10, (866) 419-0881
BB&T FINANCIAL,  FSB R- VISA 9.22 V 1 25 0 3,     4,  5,  6,  9, (800) 476-4228
BMW BANK OF NORTH AMERICA N- VISA 11.0 V 1 22 0 1,     2,  3,  4,  6,  10, (888) 269-2273
BOONE COUNTY NATIONAL BANK OF COLUMBIA,  THE R- MASTERCARD/VISA 17.4 F 0 25 0 1, 4, 5, 7, 9, (800) 445-9272
CAPITAL ONE BANK (USA),  NATIONAL ASSOCIATION N- MASTERCARD 19.6 V 1 25 0 N.R. (800) 955-7070
CENTRAL BANK & TRUST COMPANY KY- VISA 18.0 F 0 25 20 N.R. (800) 637-6884
CENTRAL TRUST BANK,  THE R- MASTERCARD / VISA 17.4 F 0 25 0 1, 4, 5, 7, 9, (800) 445-9272
CHASE BANK USA,  NATIONAL ASSOCIATION N- VISA 7.99 F 0 20 0 N.R. (888) 684-7370
CHEMUNG CANAL TRUST COMPANY NY- VISA BUSINESS CARD 10.4 V 1 25 25 3, 4, 6, (607) 737-3761
CITIBANK (BANAMEX USA) N- MASTERCARD PLATINUM 8.99 V 1 25 0 4, 10, (800) 222-1234
CITIBANK (SOUTH DAKOTA),  NATIONAL ASSOCIATION N- MASTERCARD 16.5 V 1 20 0 9, (800) 950-5114
CITIZENS FIRST BANK FL- VISA PLATINUM 12.0 F 0 25 0 2, 4, 6, 10, (352) 259-3274
CITY NATIONAL BANK R- VISA BUSINESS 16.0 F 0 25 50 2, 3, 4, 6, 10, (800) 221-5920
CITY NATIONAL BANK OF TAYLOR,  THE TX- VISA AND MASTERCARD 13.9 F 0 25 0 4, 6, (512) 671-2221
CNB BANK N- VISA 14.9 F 0 30 15 3, 4, 5, 6, 8, (800) 492-3221
COLUMBIA RIVER BANK R- VISA CLASSIC 18.0 F 0 25 0 4, 5, 8, 10, (541) 298-6607
COLUMBUS BANK AND TRUST COMPANY N- PLATINUM 8.90 V 1 25 0 N.R. (800) 543-8227
COMMERCE BANK,  NATIONAL ASSOCIATION R- SPECIAL CONNECTIONS 16.5 V 1 25 0 4, 6, 9, (800) 645-2103
COMMUNITY BANK & TRUST COMPANY PA- VISA 12.0 F 0 25 0 10, (800) 820-4642
COMMUNITY FIRST BANK AR- MASTERCARD 8.99 F 0 25 50 10, (870) 391-8059
COMPASS BANK R- VISA 18.2 V 9 25 0 N.R. (800) 239-5175
COPPERMARK BANK R- MASTERCARD 16.2 V 1 25 15 N.R. (405) 593-1557
COREFIRST BANK & TRUST R- VISA CLASSIC 13.9 V 1 25 0 4, 6, 9, (785) 267-8900
CREDIT ONE BANK,  NATIONAL ASSOCIATION N- VISA 23.9 F 0 25 69 N.R. (877) 825-3242
D. L. EVANS BANK N- VISA CLASSIC 12.9 V 1 25 20 2, 3, 4, 5, 6, 8, 10, (208) 678-2529
DELAWARE NATIONAL BANK R- VISA 12.0 V 1 25 0 2, 3, 4, 6, (800) 833-9295
DISCOVER BANK N- DISCOVER MORE CARD (PLATINUM) 14.0 V 1 25 0 1, 4, 6, 7, 9, (800) 347-2683
DOLLAR BANK,  A FEDERAL SAVINGS BANK R- VALUED CUSTOMER VISA 12.0 V 1 25 0 1, 6, (800) 447-2823
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER OH- FAIRFIELD FEDERAL VISA GOLD 9.00 V 1 25 12 10, (800) 650-0987
FIA CARD SERVICES,  N.A. N- BANK OF AMERICA PLATINUM PLUS VISA 12.2 V 1 20 0 3, 4, 6, 10, (800) 932-2775
FIFTH THIRD BANK R- PLATINUM MASTERCARD 8.99 V 2 20 0 3, 4, 6, 8, 9, 10, (877) 579-5353
FIRST BANK & TRUST EAST TEXAS TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (888) 608-7787
FIRST COMMAND BANK N- VISA PLATINUM 6.00 V 1 30 0 2, 4, 6, (888) 763-7600
FIRST COMMERCIAL BANK AL- VISA PLATINUM 8.90 V 1 20 0 4, 6, 9, (800) 543-8227
FIRST COUNTY BANK CT- VISA CLASSIC 14.2 V 1 25 25 N.R. (203) 462-4200
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION N- VISA 8.90 V 1 25 0 N.R. (800) 768-3248
FIRST FINANCIAL BANK,  NATIONAL ASSOCIATION R- MASTERCARD CLASSIC 10.3 V 1 25 0 N.R. (800) 221-8890
FIRST FINANCIAL BANK,  NATIONAL ASSOCIATION R- VISA CLASSIC 15.9 F 0 25 15 4, 6, (800) 511-0045
FIRST HAWAIIAN BANK HI- MASTERCARD STANDARD 16.5 F 0 25 25 1, 6, 10, (800) 342-2778
FIRST INTERSTATE BANK R- VISA SCORECARD 17.0 V 1 25 35 4, 5, 6, 10, (888) 791-4071
FIRST NATIONAL BANK & TRUST FL- MASTERCARD 14.9 F 0 30 20 1, 9, (850) 796-2020
FIRST NATIONAL BANK ALASKA AK- MASTERCARD 13.9 F 0 25 0 4, (907) 777-4523
FIRST NATIONAL BANK AND TRUST COMPANY WY- VISA CLASSIC 13.9 F 0 25 0 4, (800) 377-6906
FIRST NATIONAL BANK OF FAIRFIELD,  THE MT- VISA CLASSIC 15.6 F 0 25 0 5, 7, (406) 467-2531
FIRST NATIONAL BANK OF IPSWICH,  THE N- MASTERCARD 10.5 V 1 0 35 N.R. (800) 944-2726
FIRST NATIONAL BANK OF LITCHFIELD,  THE CT- VISA CARD 10.9 F 0 25 0 N.R. (888) 567-1814
FIRST NATIONAL BANK OF OMAHA N- VISA 13.0 V 1 20 0 1, 2, 3, 4, 6, 7, 9, (888) 530-3626
FIRST NATIONAL BANK OF ST. LOUIS R- MASTERCARD / VISA 17.4 F 0 25 0 1, 4, 5, 7, 9, (800) 445-9272
FIRST NATIONAL BANK OF THE MID-CITIES N- MASTERCARD REGULAR AND GOLD 13.9 F 0 25 0 N.R. (817) 553-2513
FIRST SECURITY BANK AR- VISA 9.99 F 0 25 0 1, 3, 4, 6, (501) 278-2133
FIRST STATE BANK NM- MASTERCARD CLASSIC 15.2 F 0 25 0 4, (800) 423-7503
FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS R- VISA 6.90 V 1 25 0 4, 6, 9, (800) 234-2840
FIRST-CITIZENS BANK & TRUST COMPANY R- VISA GOLD 8.00 V 1 25 0 4, 10, (540) 561-4707
FIRST-KNOX NATIONAL BANK OF MOUNT VERNON,  THE OH- VISA CLASSIC 14.2 V 1 30 0 4, (740) 399-5500
FIRSTBANK OF COLORADO R- VISA 14.9 V 1 25 0 2, 4, 6, (800) 964-3444
FIRSTMERIT BANK,  N.A. R- VISA PLATINUM 7.50 V 1 25 0 2, 4, 6, 9, (888) 554-4362
FNB BANK,  NATIONAL ASSOCIATION PA- VISA 12.0 V 1 25 0 2, 3, 4, 6, (800) 833-9295
FRANKLIN TEMPLETON BANK & TRUST F.S.B. N- PLATINUM MASTERCARD 8.49 V 1 25 0 2, 3, 4, 6, 10, (800) 238-2761
GE MONEY BANK N- DISCOVER CARD 15.1 V 1 0 0 N.R. (800) 417-8321
GREENVILLE NATIONAL BANK OH- GREENVILLE NATIONAL BANK VISA 17.9 F 0 25 0 N.R. (937) 548-1114
HAWTHORN BANK MO- MASTERCARD 16.9 F 0 25 0 N.R. (800) 761-8362
HEARTLAND BANK OH- MASTERCARD 12.4 V 1 25 18 4, 10, (800) 697-0049
HILLS BANK AND TRUST COMPANY IA- VISA PLATINUM 7.00 V 1 25 0 N.R. (800) 445-5725
HOME FEDERAL BANK OF TENNESSEE,  FSB TN- VISA CLASSIC 12.8 F 0 25 15 N.R. (865) 544-3954
HSBC BANK USA,  NATIONAL ASSOCIATION N- MASTERCARD 14.2 V 1 20 0 3, 4, 5, 9, 10, (877) 700-4722
HUNTINGTON STATE BANK TX- VISA 13.9 F 0 25 0 N.R. (936) 639-5566
IDAHO INDEPENDENT BANK N- VISA 11.9 V 1 25 15 3, 4, 5, 6, 7, (208) 947-1168
INFIBANK,  N.A. N- VISA 13.0 V 1 20 0 1, 2, 3, 4, 5, 6, 7, 9, (877) 875-8078
INTRUST BANK,  NATIONAL ASSOCIATION N- VISA PLATINUM 10.9 V 1 25 0 N.R. (800) 222-7458
IRONSTONE BANK R- VISA PLATINUM 8.00 V 1 25 0 4, (540) 561-4707
KENTUCKY BANK KY- VISA 12.9 V 1 25 0 N.R. (859) 987-1795
LAFAYETTE AMBASSADOR BANK PA- VISA 12.0 V 1 25 0 2, 3, 4, 6, (717) 581-3672
LOS ALAMOS NATIONAL BANK N- VISA 10.5 F 0 25 15 N.R. (505) 662-5171
M&I BANK FSB R- VISA CONSUMER 9.99 V 1 25 0 N.R. (800) 642-2657
MERCER SAVINGS BANK OH- VISA 11.9 F 0 25 20 9, (419) 586-5159
MERRICK BANK CORPORATION N- VISA CLASSIC 24.5 V 1 25 0 N.R. (800) 253-2322
NATIONAL CITY BANK R- EVERYDAY REWARDS VISA 9.99 V 1 20 0 1, 2, 3, 4, 6, (800) 282-7541
NATIONAL GRAND BANK OF MARBLEHEAD MA- MASTERCARD 16.5 F 0 25 0 N.R. (781) 631-6000
NATIONWIDE BANK N- AAB PLATINUM 8.99 V 1 25 0 1, 2, 6, 7, 9, (866) 757-2720
Federal Survey of Credit Card Plans
Continued... Federal Survey of Credit Card Plans


NEW MILLENNIUM BANK N- VISA SECURED CREDIT CARD 19.5 F 0 0 59 2, 3, 4, 6, (732) 729-4395
NORDSTROM FSB N- VISA 9.90 V 1 25 0 3, 4, 6, 10, (800) 964-1800
NORTH SIDE BANK AND TRUST COMPANY,  THE R- VISA 8.00 V 1 25 0 3, 6, 10, (513) 542-7800
NORTHWEST SAVINGS BANK R- VISA CLASSIC 13.8 F 0 25 0 3, 6, (814) 728-7505
OHIO VALLEY BANK COMPANY,  THE R- VISA 12.0 V 1 25 15 N.R. (740) 441-9148
PARK NATIONAL BANK,  THE OH- CLASSIC VISA CARDS 18.0 F 0 25 12 N.R. (800) 762-2616
PENN SECURITY BANK AND TRUST COMPANY N- MASTERCARD 14.8 F 0 25 0 N.R. (570) 346-7741
PEOPLES FIRST COMMUNITY BANK FL- MASTERCARD GOLD 10.9 F 0 25 0 N.R. (800) 624-9699
PINNACLE BANK R- VISA CLASSIC 16.0 V 9 25 0 4, 5, 6, 10, (800) 369-7283
PLAINS COMMERCE BANK N- VISA / MASTER CARD 19.8 F 0 25 39 N.R. (605) 948-2344
PULASKI BANK AND TRUST COMPANY N- VISA CLASSIC / STANDARD 6.50 F 0 25 35 9, (800) 217-7715
QUAD CITY BANK AND TRUST COMPANY R- VISA CLASSIC 11.0 V 1 25 0 4, 6, 10, (877) 954-0190
RAINIER PACIFIC SAVINGS BANK N- VISA GOLD 9.75 V 1 25 0 N.R. (800) 228-2858
RANDOLPH NATIONAL BANK N- MASTERCARD 9.50 F 0 30 12 5, 10, (802) 728-9611
RBC BANK (USA) R- VISA GOLD 11.5 V 1 25 0 2, 4, 6, 8, 9, (888) 257-6837
RBS CITIZENS,  NATIONAL ASSOCIATION N- CITIZENS MASTERCARD PLATINUM 6.99 F 0 20 0 2, 4, 6, 10, (888) 333-5145
ROCKPORT NATIONAL BANK R- MASTERCARD 11.0 V 1 25 0 N.R. (978) 546-3411
S & T BANK PA- VISA CLASSIC 8.50 V 1 25 15 4, 6, 10, (800) 325-2265
SAVINGS BANK OF MAINE ME- VISA CLASSIC 16.5 T 0 25 0 N.R. (207) 582-5550
SECURITY NATIONAL BANK AND TRUST COMPANY OH- CLASSIC/VISA 16.9 F 0 25 0 N.R. (937) 324-6828
SILVERTON BANK,  N.A. N- MASTERCARD 12.9 V 1 25 30 4, 6, (800) 854-7642
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N- VISA 10.0 F 0 25 0 4, (870) 272-2102
SOLVAY BANK NY- VISA CLASSIC 14.9 F 0 25 0 N.R. (315) 468-1661
STATE FARM BANK,  FSB N- PLATINUM REWARDS VISA 9.99 V 1 20 0 1, 2, 4, 6, 9, (877) 734-8472
SUNFLOWER BANK,  NATIONAL ASSOCIATION N- VISA 6.65 V 1 25 0 3, 4, 6, (888) 827-5564
SUNTRUST BANK R- SUNTRUST PLATINUM REWARDS VISA 12.2 V 1 20 0 3, 4, 6, 9, (800) 477-9702
TCM BANK,  NATIONAL ASSOCIATION N- VISA PLATINUM 12.9 V 1 25 0 2, 3, 4, 6, 9, 10, (800) 883-0131
TEXAS BANK AND TRUST COMPANY TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (903) 237-5680
TIB THE INDEPENDENT BANKERSBANK N- VISA AND MASTERCARD 12.9 V 1 25 0 N.R. (800) 367-7576
TOWN NORTH BANK NEVADA,  NATIONAL ASSOCIATION N- MASTERCARD 7.99 V 1 20 0 4, 8, 9, (800) 820-8417
TOYOTA FINANCIAL SAVINGS BANK N- LEXUS PURSUITS VISA 12.0 V 1 20 0 1, 9, (888) 777-5555
TRUSTMARK NATIONAL BANK R- VISA 13.9 V 1 30 0 1, 3, 4, 9, (601) 208-7685
U.S. BANK NATIONAL ASSOCIATION ND R- VISA 6.90 V 1 25 0 9, (800) 285-8585
UMB BANK,  NATIONAL ASSOCIATION N- VISA - PLATINUM 9.40 V 1 20 0 4, 6, 9, (800) 821-5184
UNION BANK AND TRUST COMPANY R- CLASSIC VISA CREDIT CARD 15.0 V 1 25 0 10, (402) 323-1127
UNITED BANK,  INC. R- VISA 11.0 V 1 25 0 10, (800) 242-7600
UNIVEST NATIONAL BANK AND TRUST CO. PA- VISA PLATINUM REWARDS 13.0 F 0 25 0 1, (877) 440-8873
USAA SAVINGS BANK N- MASTERCARD 8.90 V 1 25 0 N.R. (800) 531-8722
VALLEY NATIONAL BANK NJ- MASTERCARD 16.8 F 0 25 0 N.R. (800) 522-4100
WACHOVIA BANK,  NATIONAL ASSOCIATION N- VISA PLATINUM WITH REWARDS 9.99 V 1 25 0 10, (800) 722-4684
WALLIS STATE BANK,  THE TX- WALLIS STATE BANK VISA 14.9 F 0 25 0 4, 5, 6, 8, (979) 478-6151
WASHINGTON MUTUAL BANK N- PLATINUM MASTERCARD 9.99 V 1 25 0 10, (800) 219-6192
WAYNE BANK AND TRUST CO. N- PLATINUM VISA 11.0 F 0 25 0 N.R. (888) 769-2963
WELLS FARGO BANK,  NATIONAL ASSOCIATION N- VISA 12.4 V 1 25 0 N.R. (800) 642-4720
WELLS FARGO FINANCIAL BANK R- VISA 18.0 V 1 25 20 N.R. (605) 336-3933
WELLS FARGO FINANCIAL NATIONAL BANK N- HOME PROJECTS VISA 12.9 V 1 20 0 N.R. (800) 459-8451
WEST SUBURBAN BANK IL- VISA CLASSIC 13.8 V 1 25 0 N.R. (630) 652-2000
WHITNEY NATIONAL BANK R- VISA 11.0 V 1 25 0 N.R. (504) 838-6565
WILMINGTON TRUST COMPANY N- MASTERCARD 13.8 V 4 25 18 4, 5, 8, 10, (800) 523-2378
WORLD FINANCIAL NETWORK NATIONAL BANK N- GANDER MOUNTAIN MASTERCARD GOLD 20.0 V 1 25 0 7, (888) 332-4709
WORLD'S FOREMOST BANK N- CABELA'S VISA CLASSIC (REWARDS) 13.0 V 1 20 0 1, 6, (800) 850-8402
YORK STATE BANK AND TRUST COMPANY N- VISA 14.0 F 0 20 0 3, 4, 6, 9, 10, (402) 362-4411
ZIONS FIRST NATIONAL BANK R- VISA CLASSIC 14.0 V12502, 4, 6, 10, (888) 758-5349