1: has no annual fee and an initial APR of 0%. The card also includes rewards: with every $1,000 spent you get a $10 gift card to a local burger chain. After 6 months, the APR jumps to 19.1% Card 2: has no annual fee, and an initial APR of 0%. The cardholder can take money out on the card at the ATM. However, when these types of transactions are made, the APR jumps to 24.1%. In fact, spending $35,000 on the card you get a free domestic airline flight. 3: has no annual fee, although the APR is 12.9%, with no different initial APR. No rewards are offered. 4: is a little different. There is an annual fee of $150, but no APR. With this card, you have to pay off your balance every month. This card also features a rewards program: you get one "point" for every dollar spent on the card, and the points can be redeemed for magazine subscriptions and other items. 5: isn’t officially a credit card. There is no annual fee, no APR, and no balance carried. This card takes money directly from your savings or checking account. Credit Card Comparison Student Organiz