'Consumer-friendly' credit cards?

New offers target folks who are fed up with issuers' shenanigans. Here's how cards from three of the biggest banks stack up.

4 of 4

Citi Forward Visa

This card rewards you for good behavior. If you stay under your credit limit and pay on time for three billing periods in a row, Citi will reduce your rate by a quarter point. But a total reduction of two points is as low as Citi will go. That's not much to shout about, since its starting rate of 14.24% is nearly four points higher than some other no-fee cards.

Verdict: Choose a lower-rate card instead.

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Last updated January 25 2010: 9:32 AM ET

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