could you let me know what credit cards are out there (except bank of america) that have a good interest rate, no annual fee and points rewards for what you spend?
I'd like to know you're experiences with these companies too

I am thinking about switching cards as my interest rate is almost 20% on my bank of america with an annual fee

Try a Capital One Card

First try calling your credit card company and negotiating a lower rate. A good way is to explain that you got a great offer in the mail and are seriously considering it if they can’t match it. A realistic rate to suggest is 11-13%. Also there are websites that compare credit cards. You should also search there. Follow the link below.

it depends on your credit score... my bf has a B of A card with no annual fee, a 13k limit, 6% interest rate, but his credit score is like a 780. Try capital one or american express (I use their delta skymiles one) and work on getting your credit score up, because it depends on that more than anything else. citi bank also has some really good cards, but those are harder to qualify for.


Not household or orchard bank though, those have annual fees!! and are pretty high APR

There is a credit card search engine that allows you to enter in the terms you want in a credit card offer and see if there are offers out there with the terms you entered. It's called FastCreditCardOffer.com and here is a link to the search form...

http://www.fastcreditcardoffer.com/credit-card-search.aspx

As for experiences... I would stay as far a way from Chase as possible. Their customer service has always rubbed me the wrong way. Totally unflexible for even the simplist, reasonable requests. ARG

I do like American Express - but not the ones with an annual fee. Amazing customer service and they don't mess with my rates like my other cards do.

I also like Discover as well but not as much as Amex.

Good luck.

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