Type of Grace Institutions Pricing Period Annual Other APR Index Fee Features Telephone ADIRONDACK TC VISA, NY 15.00 F 0 25 15 N.R. (518) 589-5844 AMALGAMATED BK CHICAGO AMALGAMATED BANK - MASTERCARD, N 9.25 V 1 25 0 4,5,10, (800) 365-6464 AMERICAN ST BK AMERICAN STATE BANK VISA, TX 11.90 F 0 25 0 N.R. (325) 794-1000 AMERICREST BK MASTERCARD, R 12.65 V 1 25 15 3,4,5,8,9, (405) 440-2100 AMSOUTH BK VISA, R 13.90 V 1 26 0 2,4,6, (800) 231-7493 ARKANSAS NB VISA, N 7.92 F 0 25 50 4, (888) 226-5262 ARVEST BK VISA, R 16.90 V 1 25 0 4,6,9, (800) 356-8085 ATLANTIC STEWARDSHIP BK VISA CLASSIC, NJ 8.99 V 1 25 15 4,5,6,7,8,10, (201) 444-7100 BANCORPSOUTH BK MASTERCARD, R 11.90 V 1 30 0 N.R. (800) 844-2723 BANGOR SVG BK VISA CLASSIC, R 11.90 V 1 25 0 N.R. (800) 432-1591 BANK OF AMER NA USA BANK OF AMERICA VISA PLATINUM, N 7.90 V 1 20 0 2,3,4,6,9,10, (800) 732-9194 BANK OF KY VISA GOLD, R 12.00 V 1 25 0 4,9, (859) 372-5170 BANK OF THE SIERRA VISA, CA 16.92 F 0 25 0 4,6, (559) 782-4450 BANK ONE DE NA VISA, N 13.90 V 1 20 60 5, (800) 869-9638 BANKERS BK PRIME ADVANTAGE VISA, R 9.90 V 1 25 0 N.R. (800) 854-7642 BANKERS BK OF KS NA VISA, KS 10.92 V 1 25 0 4, (800) 675-6284 BANKFIRST ACTION CARD, N 22.92 V 1 25 107.40 2,3,4,6, (800) 839-6641 BOONE COUNTY NB OF COLUMBIA VISA, R 17.40 F 0 25 0 4, (800) 445-9272 BRANCH BKG&TC VISA, R 7.90 V 1 25 0 3,4,6,9, (800) 476-4228 CAMBRIDGE TC MASTER CARD, N 16.45 F 0 25 0 4, (617) 441-1475 CAPITAL ONE BK MASTERCARD, N 12.90 F 0 25 59 N.R. (800) 955-7070 CENTRAL B&TC VISA, KY 18.00 F 0 25 20 N.R. (859) 253-6222 CENTRAL TR BK VISA, R 17.40 F 0 25 0 4, (800) 445-9272 CHASE MANHATTAN BK USA NA MASTERCARD, N 6.99 V 1 20 0 N.R. (800) 242-7324 CHEMUNG CANAL TC MASTERCARD, NY 9.40 V 1 25 0 N.R. (607) 737-3862 CITIBANK NA MASTERCARD, N 8.99 V 1 21 0 N.R. (800) 950-5114 CITIZENS & NORTHERN BK VISA, R 10.00 V 1 25 0 3,4,6, (800) 676-6639 CITY NB VISA, VISA GOLD, MASTERCARD, MASTERC, TX 13.92 V 4 25 0 3,4,6, (800) 848-8472 x321 COLUMBUS B&TC VISA CLASSIC, N 11.90 V 1 25 0 9, (800) 543-8227 COMMERCE B&TC VISA CLASSIC, KS 12.88 V 1 25 0 4,9, (800) 280-0123 COMMERCE B&TC VISA PLATINUM, MA 13.59 V 9 25 0 2,6,9, (800) 698-2265 COMMERCE BK NA VISA, R 13.90 F 0 25 0 2,3,4,6, (856) 751-9000 COMMERCE BK NA SPECIAL CONNECTIONS VISA & MC, R 16.50 V 1 25 0 4,6,10, (800) 645-2103 COMMUNITY BK VISA, N 11.00 F 0 30 25 N.R. (479) 973-2265 x311 COMMUNITY BKS VISA, R 15.00 F 0 25 8 4,6,10, (866) 255-2580 COMMUNITY FIRST B&TC CLASSIC VISA, R 12.00 V 1 25 0 N.R. (800) 221-8890 COMMUNITY FIRST BK MASTERCARD, AR 9.75 F 0 25 50 N.R. (870) 391-8000 COMPASS BK VISA, R 13.74 V 9 25 0 4,8,9, (800) 239-5175 COUNTY NB VISA, N 14.88 F 0 15 15 4,5,8, (800) 492-3221 CROSS COUNTRY BK VISA CROSS COUNTRY BANK, N 23.99 V 1 0 50 N.R. (302) 326-4200 DELAWARE NB VISA, R 12.00 V 1 25 0 4,6, (800) 833-9295 DISCOVER BK VISA PLATINUM DISCOVER, N 13.99 F 0 25 0 1,4,7,9, (800) 347-2683 DOLLAR BK FSB VISA, R 12.90 V 1 25 0 9, (800) 242-2265 EISENHOWER NB PLATINUM VISA, N 10.92 F 0 25 0 2,3,6,9, (888) 454-5336 EXCHANGE NB OF JEFFERSON CITY MASTERCARD, MO 16.92 F 0 25 0 4, (800) 761-8362 FDS BK FDS BANK VISA, N 14.90 V 1 25 0 N.R. (800) 267-8472 FIFTH THIRD BK PLATINUM VISA & MASTERCARD R 7.99 V 1 25 0 9, (800) 972-3030 FIRST AMER BK SSB VISA CLASSIC, TX 16.92 F 0 25 0 4, (866) 587-0550 FIRST B&TC EAST TX VISA CLASSIC, TX 13.92 F 0 25 0 N.R. (888) 608-7787 FIRST FNCL BK NA CLASSIC MASTERCARD, R 9.25 V 1 25 0 N.R. (800) 221-8890 FIRST FS&LA VISA, N 7.90 V 1 25 0 N.R. (800) 768-3248 x5963 FIRST HAWAIIAN BK MASTERCARD STANDARD, HI 16.60 F 0 25 15 4,6,7,10, (808) 847-4444 FIRST INTRST BK VISA SCORE CARD, R 13.00 V 1 25 20 4,5,6,7,8,9, (888) 791-4071 FIRST NB MASTERCARD REGULAR AND GOLD, N 13.92 F 0 25 0 N.R. (817) 283-4615 x513 FIRST NB OF FAIRFIELD VISA, MT 15.60 F 0 25 0 4,5,6,7, (406) 467-2531 FIRST NB OF MARIN VISA, N 19.80 F 0 25 72 N.R. (800) 796-7980 FIRST NB OF OMAHA VISA, N 7.99 V 9 25 0 4,6,9, (800) 688-7070 FIRST NB OF ST LOUIS VISA, R 17.40 F 0 25 0 4, (573) 634-1148 FIRST NB&TC MASTERCARD, FL 14.90 F 0 30 20 1,10, (850) 796-2020 FIRST PENN BK VISA, N 11.91 V 1 25 0 4,6, (866) 437-2265 FIRST SECURITY BK VISA, AR 8.99 F 0 25 0 1,3,4,5,6, (479) 527-7000 FIRST ST BK MASTERCARD CLASSIC, NM 15.24 F 0 25 0 4, (800) 423-7503 FIRST TENNESSEE BK NA MMPHS VISA, N 14.90 V 1 25 0 9, (800) 234-2840 FIRST-CITIZENS B&TC VISA GOLD, R 9.00 V 1 25 20 4, (540) 561-4707 FIRST-KNOX NB VISA CLASSIC, OH 12.90 V 1 30 0 4, (740) 399-5500 FIRSTBANK OF COLORADO VISA, R 10.90 V 1 25 0 4,6,9, (303) 235-1369 FIRSTMERIT BK NA VISA, R 10.90 V 1 0 5 4, (888) 554-4362 FLEET BK RI NA FLEET VISA, N 9.10 V 9 20 0 2,4,9,10, (800) 225-5353 GREAT WESTERN BK VISA, R 15.60 F 0 25 0 N.R. (402) 551-4310 GREENVILLE NB VISA CLASSIC, OH 17.90 F 0 30 0 N.R. (800) 759-9476 HARLEYSVILLE NB&TC VISA, PA 13.08 F 0 25 15 2,4,5,6,8, (888) 462-2100 HEARTLAND BK MASTERCARD, OH 11.65 V 1 25 18 N.R. (800) 876-9119 HOUSEHOLD BK SB NA HOUSEHOLD BANK N.A. MASTERCARD REGUL, N 16.90 V 1 25 0 1, (800) 477-6000 HSBC BK USA MASTER CARD, NY 11.99 V 1 25 0 9,10, (800) 975-4722 HUNTINGTON ST BK VISA, TX 13.92 F 0 25 0 N.R. (936) 639-5566 INTEGRA BK NA MASTERCARD, N 15.90 F 0 25 0 4,5,10, (800) 467-1928 INTERNATIONAL BK OF CMRC IBC PLATINUM CARD, N 10.99 V 1 25 0 2,3,4,6,9, (800) 492-3276 INTRUST BK NA VISA REGULAR, R 12.90 F 0 25 19 4,10, (800) 222-7458 JUNIPER BK MASTERCARD, N 11.99 V 1 20 0 4,6,9, (877) 523-0478 KENTUCKY BK VISA, KY 11.90 V 1 25 0 N.R. (859) 987-1795 KLEIN BK VISA, TX 12.89 F 0 25 0 N.R. (281) 376-7160 LAFAYETTE AMBASSADOR BK VISA, PA 12.00 V 1 23 0 2,3,4,6, (800) 833-9295 LOS ALAMOS NB VISA GOLD, N 10.88 F 0 25 15 N.R. (505) 662-1050 MBNA AMERICA BK NA MASTERCARD, N 9.90 F 0 25 0 N.R. (800) 421-2110 METROPOLITAN NB VISA, N 8.95 F 0 25 35 N.R. (800) 883-2511 NATIONAL BK OF GENEVA CLASSIC VISA, NY 15.48 F 0 25 15 3,4,5,6,8, (315) 787-3229 NATIONAL CITY BK CASH-BUILDER VISA, R 11.49 V 1 27 0 N.R. (800) 558-8472 NEW MILLENNIUM BK VISA SECURED CREDIT CARD, N 19.50 F 0 0 59 2,3,4,6, (732) 729-4395 OAK HILL BK VISA, OH 17.40 F 0 25 0 4, (740) 288-9908 OHIO VALLEY BK CO VISA, R 11.25 F 0 25 15 N.R. (888) 441-1038 PARK NB PARK NATIONAL BANK CLASSIC VISA, OH 18.00 F 0 25 12 4, (740) 349-8500 PARKVALE SVG BK VISA, PA 10.00 V 1 25 0 N.R. (412) 373-4825 PATRIOT BK VISA CLASSIC, N 14.90 F 0 25 0 9, (800) 969-6501 PENN SECURITY B&TC MASTERCARD, N 14.80 F 0 25 0 N.R. (800) 327-0394 PEOPLES BK PEOPLE'S BANK PLATIUM MASTERCARD, N 7.99 F 0 25 0 N.R. (800) 426-1114 PINNACLE BK VISA CLASSIC, R 15.96 V 9 25 0 4,5,6,10, (800) 369-7283 PLAINS CMRC BK VISA/MASTER CARD, N 19.80 F 0 25 39 4,5,6,7,8, (605) 948-2278 PLAINSCAPITAL BK VISA CLASSIC, N 13.92 F 0 25 0 N.R. (800) 791-7265 PULASKI B&TC VISA, N 4.75 F 0 25 35 N.R. (800) 217-7715 RBC CENTURA BK VISA, R 14.49 V 1 25 0 2,3,4,5,6,9, (800) 236-8872 RICHLAND TC VISA GOLD, N 6.50 V 1 30 50 4, (419) 525-8791 S&T BK VISA CLASSIC, PA 7.50 V 1 25 15 4,10, (800) 325-2265 SIMMONS FIRST NB VISA, N 8.95 F 0 25 35 4, (800) 636-5151 SOLVAY BK VISA CLASSIC, NY 14.88 F 0 25 0 N.R. (315) 468-1661 SOUTHTRUST BK VISA CLASSIC, R 9.50 V 1 27 20 4,5,6,9, (800) 292-6538 STATE B&T VISA, TX 11.00 V 1 25 25 4,6, (830) 379-5236 STEUBEN TC MASTERCARD GOLD, R 11.95 F 0 25 18 4,5,6,8,9,10, (607) 324-5010 SUNFLOWER BK NA VISA CLASSIC, N 18.00 F 0 25 0 4,5,6,8, (785) 827-5564 TEXAS B&TC VISA, TX 13.92 F 0 25 0 4, (903) 237-5680 TEXASBANK VISA, TX 13.44 F 0 25 0 N.R. (817) 560-6492 TIB INDEPENDENT BANKERSBANK VISA AND MASTERCARD, N 11.90 V 1 25 0 N.R. (800) 367-7576 TOWN NORTH BK NA PLATINUM MASTERCARD, N 7.50 V 9 25 0 2,3,4,6,9, (800) 820-8417 TRUSTMARK NB MASTERCARD, R 15.90 F 0 30 0 4,5,6,8,10, (601) 208-4900 U S BK NA ND VISA, R 9.99 V 1 25 0 5,9, (800) 285-8585 UMB USA NA VISA CLASSIC, N 13.40 V 1 25 0 4, (800) 821-5184 UNION ST BK VISA GOLD, NY 10.90 V 1 25 0 4,5,7,9,10, (800) 887-8775 UNITED BK VISA, R 10.00 V 1 25 0 10, (800) 242-7600 USAA SVG BK MASTERCARD, N 10.00 V 1 25 0 N.R. (800) 922-9092 VALLEY NB MASTERCARD, NJ 16.80 F 0 25 0 N.R. (800) 522-4100 WALLIS ST BK VISA, TX 14.92 F 0 25 0 4,5,6,8, (979) 478-6151 x120 WASHINGTON MUTUAL BK CONSUMER VISA, OR 12.90 V 1 25 15 N.R. (800) 356-1244 WAYNE B&TC VISA CLASSIC, N 14.76 F 0 25 0 N.R. (765) 935-5222 WELLS FARGO BK NORTHWEST NA VISA, N 17.10 V 1 25 0 9, (800) 642-4720 WELLS FARGO FNCL BK VISA, R 16.90 F 0 25 20 N.R. (605) 336-3933 WELLS FARGO FNCL NB LAZBOY MASTERCARD, N 21.00 V 1 25 0 N.R. (800) 643-3824 WILMINGTON SVG FUND SCTY FSB CLASSIC MASTERCARD, N 14.90 V 1 25 20 9, (302) 792-6000 WILMINGTON TC MASTERCARD, N 12.50 V 4 25 18 4,5,8,10, (302) 652-2378 WORLDS FOREMOST BK VISA, N 11.99 V 1 25 0 1,4, (800) 850-8402 WYOMING CTY BK VISA, NY 15.96 F 0 25 18 4,5,6,8, (585) 786-4366 YORK ST B&TC VISA, NE 13.99 F 0 25 0 6,9,10, (402) 362-4411 5 STAR BK CO IND BK 5STAR VISA PLATINUM PREMIER, N 12.50 V 1 25 0 4,9, (800) 776-2265