The Pulaski Credit Card, issued by Pulaski Bank, is intended for those who have average credit history and seek a very low cost credit card. There is a 0% interest rate for the first six months that is good on balance transfers for the first three months. After the introductory period, the interest rate on both cash advances and purchases is a 7.99% fixed rate. The annual fee is $35, quite low for a card with such a low interest rate. Of course, with such a low rate, there are no extraordinary benefits attached to this card. The Pulaski Credit Card carries no cash advance or balance transfer fee, and credit lines vary from $1,000 minimum to a maximum of $15,000.

Although the benefits connected to this low interest, low annual fee card are minimal, there are a few as follows:

Online access to account information

Emergency cash and card replacement

Reporting of lost and stolen card

No liability to cardholder for unauthorized transactions

Though the benefits are minimal with this card, for those who are looking for a basic credit card with a low interest rate and low annual fee, this card fits your needs perfectly. With such a low interest rate, one does not feel compelled to pay off the balance every month to save finance charges, and the convenience of carrying a balance into the next month is well worth the small $35 annual fee.

Pulaski entered the credit card business in 1994, and since that time, they have always charged a lower interest rate than the industry standard. During the twelve-year period, the highest rate charged was 8.75% in the year 2000 when the industry was averaging 17.42%. This is definitely a card that is advantageous to the cardholder who is looking for a revolving account that will not plague him with high interest rates.