Consumer Reports lists 10 most consumer friendly credit cards from cardweb

http://cdn.consumerreports.org/static/0511cre6.html

November 2005

The 10 most consumer-friendly credit cards

CardWeb.com, a leading source of data on the credit-card industry, analyzed 10,200 card offers to identify those with the lowest cost in a group that provided the best terms based on CR's criteria. None of the 10 cards has a universal default clause, two-cycle billing, or balance transfer fees, all of which can jack up finance charges. All cards have a grace period of at least 25 days and have no annual fees. The information is current as of Aug. 1, 2005. An “f” indicates that the card has a fixed rate; “v,” a variable rate. Rates are the lowest offered to customers who meet issuers' credit-score standards. The “go-to APR” takes effect at the end of the promotional period.

(Click on above link for the list.)

There's no such thing as a "consumer friendly" credit card.

They're tickets to slavery.

I have a personal policy of paying for everything with my CC and paying it off every month. There is an automatic warranty on anything I buy (where that's applicable), I get a nice summary at the end of each year that shows me in summary and itemized, exactly where I've spent all my money, and I don't have to worry about carrying cash.

I don't pay an annual fee, and don't pay any finance charges either.

I know...the CC Co. hates customers like me, but TS, I use the services they offer to my benefit.

I need to ditch my MBNA.

they have very good rates in most cases.