Locating fair and ethical credit card programs for consumers every day!

how does the star rating system work?

1. Rates cannot exceed 18% APR.
2. No balance transfer fees.If you wish to transfer a balance to a fair and ethical credit card, there should be no fee to facilitate this.
3. No penalty rate.If you are late with a credit card payment, there should be no additional rate increase
4. Late fees at or less than $25.00.Late fees should be explicitly stated, with terms that dictate how long the grace period is for a fee to be assessed.
5. No annual fee.As consumers, we should not have to pay an annual fee simply for carrying a credit card.