Pulaski Bank offers consumers a credit card with a fixed interest rate of just 7.99 percent. In fact, Pulaski Bank's default rate of 18.99 percent is lower than the interest rate offered by some of the competitors. While there really aren't any perks or "thrills" attached to the card, it is a great opportunity for those who want to pay off a high balance at a low interest rate.

The Pulaski Bank Visa/MasterCard website was very easy to navigate. The online application was simple and straightforward and it was preceded by the terms and conditions of the credit card, ensuring that applicants understand the terms of the card prior to having to fill out the application form.

Star Reviews' Favorite Feature:

This credit card really impressed us with the 7.99 percent interest rate. It doesn't really get much lower than that.

Features:

• Online account access.
  
• Lost and stolen credit card reporting.
  
• Emergency credit card replacement.
  
• No liability for unauthorized transactions.

Introductory Offers:

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

Standard Terms:

• 7.99 percent interest rate.
  
• $35 annual fee.
  
• 25-day grace period.
  
• $1,000 minimum line of credit, $15,000 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 Visa/MasterCard website is available via online form. It did take a few days before we received a response to our email inquiry. The email received did address our question and the answer provided was direct and easy to understand.

Upside:

Low interest rate, easy online access, no fees for cash advances.

Downside:

$35 annual fee.