MagnifyMoney
Highest late fee$49 – Regions bank Visa Business Credit Card Lowest late fee$0 – Citi Simplicity, PenFed Promise, Edward Jones World MasterCardHighest ongoing APR(Bank) 29.99% - Continental Finance Verve MasterCard(Credit union) 23.24% - Alliant Credit Union Visa Platinum RewardsLowest ongoing APR(Bank) 6.25% - Whitney Bank Preferred Visa Platinum(Credit Union) – 5.15% - San Francisco FCU Visa Platinum RewardsLongest 0% balance transfer offer(Bank) 24 months – Santander Sphere Visa Signature(Credit Union) 18 months – TruWest Credit Union Visa PlatinumHighest Savings Account Rate - $10,000 Balance(Bank) – 1.25% MySavingsDirect(Credit Union) – 1% Quorum FCUHighest cash back with no limits or feesGas(Bank) 3% – AARP Credit Card from Chase(Credit Union) 5% - Fort Knox FCU Visa Platinum, PenFed Platinum Cash RewardsGroceries(Bank) 2% - Barclaycard Rewards(Credit Union) 3% - Consumers Credit Union Visa Signature Cash Rebate Card, Golden 1 Credit Union Platinum RewardsTravel(Bank) 3% - Sam’s Club MasterCard(Credit Union) 4.25% - PenFed Premium Travel Rewards American ExpressDining(Bank) 3% - AARP Credit Card from Chase, Sam’s Club MasterCard(Credit Union) 3% - Golden 1 Credit Union Platinum RewardsAverage annual fee(Overall) $55(Bank) $55(Credit Union) $56Average late fee(Overall) $35(Bank) $37(Credit Union) $32Average APR (lowest)(Overall) 12.7%(Bank) 13.3%(Credit Union) 11.8%Average APR (highest)(Overall) 20.6%(Bank) 21.8%(Credit Union) 18.9%Balance TransferAverage duration(Overall) 8.2 months(Bank) 8.3 months(Credit Union) 8.1 months% of cards with a balance transfer offer(Overall) 84%(Bank) 87%(Credit Union) 81%Average balance transfer APR(Overall) 0.4%(Bank) 0.1%(Credit Union) 0.8%Average transfer fee(Overall) 2.7%(Bank) 3%(Credit Union) 2.3%Average ongoing minimum APR (Overall) 11.6%(Bank) 12%(Credit Union) 11%Cash BackCards with a sign on bonus: 58%Average cash back %: 1.01%Checking AccountsOverdraft Fee Average(Overall) $28(Bank) $32(Credit Union) $28Accounts with extended overdraft fees(Overall) 58%(Bank) 80%(Credit Union) 9%(Online Only) 8%Accounts with no monthly fees(Overall) 24%(Bank) 11%(Credit Union) 53%(Online Only) 63%Average monthly fees(Overall) $9(Bank) $10(Credit Union) $0(Online Only) $0% of Accounts that Refund ATM fees(Overall) 22%(Bank) 20%(Credit Union) 20%(Online Only) 58%Savings AccountsAverage Rate - $10,000 Balance(Overall) 0.22%(Bank) 0.13%(Credit Union) 0.22%(Online Only) 0.65%Personal LoansAverage maximum loan: $34,761Average APR (low): 7.66%Average APR (high): 24.6% ................
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