Card #1

Discover card

Card #2
Chase card

Card #3
Visa platinum

APR: Is it fixed or
variable?

Variable

Variable

Variable from 9.5 to

18%

Penalty APR?

0%

0%

16.99%

Annual Fee

$0-$19

Late Fee

$15

Over the Limit Fee

$29

Transaction Fees

No transaction fee for

platinum cards

Grace Period

20 days

20days

25 days

Method of
computing
balance

average daily
balance,

Average daily
balance

Average daily
balance

Rewards for use?

free FICOCredit
Score terms,balance
transfer terms

Earn 5% cash back

on up to $1,500 in
combined purchases
in bonus categories
each quarter.

3 x 360 rewards point

3x for every time you
use your card.