Regular Credit Cards

What are regular credit cards? Nowadays credit cards have so many frills and gimmicks attached to them that we have lost sight of what credit cards were originally designed for. The fact is, all of those bells and whistles attached to most credit cards raise the interest rates and fees.

For this reason, we have assembled a list of no-frills credit cards that offer great values to the card holder with their fees and rates, NOT with the rewards bells and whistles.

Getting a regular credit card today is much like is was back in the day, you must have an established credit history with a good rating. You will find that this category of credit card has lower rates and fees and will offer very little in the way of rewards.

Regular Credit Cards

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Citi® Platinum Select® MasterCard®

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee*

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Intro APR* for Purchases, Balance Transfers	11.99% - 21.99%* (Variable)	$0*	Regular	Excellent/ Good

Capital One Standard Platinum Credit Card

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Capital One® Platinum Credit Card

$0 intro annual fee for the first year; $19 after that
Image Card -- personalize your card with an image of your choice
$0 Fraud Liability if your card is lost or stolen
Monitor your spending with free text message alerts

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No Introductory Information Available for	24.9% (V)	$19	Regular	Average / Fair

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IberiaBank Visa® Select Card

Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 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.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your 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 then $1.00).
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
Online access to credit card account information
Low Annual Fee of $35.00.

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0.00% or 7.50% for 12 Months on Purchases for Purchases	7.50%, 9.50% or 11.50%	$35	Regular	Strictly Excellent

Capital One Platinum Prestige Credit Card

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Capital One® Platinum Prestige Credit Card

0% intro APR until May 2013 on balance transfers
0% intro APR until May 2013 on purchases
No annual fee
$0 Fraud Liability if your card is lost or stolen
24-hour travel assistance gives you a replacement card and cash advance
24-hour roadside assistance
Pick an image for your card - choose the one shown here, any of the hundreds in our collection or add your own

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Intro on Purchases and Balance Transfers Until May 2013 for Purchases, Balance Transfers	10.9% - 18.9% (V)	$0	Regular	Excellent

Articles and Information on Regular Credit Cards

Is Credit Card Frugality a Thing of the Past?

The recession seems to be taking a back seat as more people pull out their credit cards to pay for everyday items. According to The Christian Science Monitor, consumers racked up a total of $64 billion in credit card debt for the year 2011, and January 2012 has already seen an increase in credit card [...]

European Debt Crisis: What Effect Will it Have on Credit Card Rates?

For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult [...]

Consumer Bureau of Financial Protection; Good for Consumers, or Just Another Bureaucracy?

Among the myriad of new financial reform measures mandated by the Dodd-Frank bill two years ago was the creation of the Consumer Bureau of Financial Protection, a watchdog agency with the responsibility of ensuring that financial companies are following the law in their lending practices. Specifically, it is tasked with ensuring that all financial companies [...]

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Southwest Airlines Rapid Rewards® Plus Credit Card – FREE FLIGHT