If you have excellent credit, the Pulaski Bank Gold Visa may be exactly what you're looking for. With no annual fee and a fixed interest rate of less than 10 percent, the terms of this credit card are pretty hard to beat. Pulaski Bank Gold Visa also provides cardholders with easy account access, free auto rental insurance and travel and emergency services, making the deal even sweeter.

The website for the Pulaski Bank Gold Card was very user friendly and easy to navigate. The online application consisted of a simple form and the terms and conditions were clearly displayed and very easy to understand.

A fixed interest rate of less than 10 percent isn't something to take lightly.

Features:

• Online account access.
  
• Lost and stolen credit card reporting.
  
• Emergency credit card replacement.
  
• No liability for unauthorized transactions.
  
• Free auto rental insurance
  
• Free travel and emergency services.

Introductory Offers:

• 0% interest rate on balance transfers for a period of 6 months.

Standard Terms:

• 9.5 percent interest rate.
  
• No annual fee.
  
• 25-day grace period.
  
• $1,000 minimum line of credit, $20,000 maximum.
  
• Late fees are $15 for balances up to $100, $29 on balances of more than $100 but less than $1,000 and $35 on balances of more than $1,000.
  
• $35 over-the-limit fee.
  
• No cash advance fees
  
• No balance transfer fees.

Customer Support:

Customer support for the Pulaski Bank Gold Visa website is available via online form. It did, however, take us almost 3 full business days to receive a response to our email inquiry.

Upside:

Low interest rate, no annual fee and online account access.

Downside:

No rewards opportunities, poor customer support.