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Yes, you get access to airport lounges along with some other perks, but there are plenty of cards that offer airport lounge access and similar benefits for less than 5.Card Hub calls it a “cheap imitation” of the Am Ex Black Card.For that, you’d expect a long period of lower interest, but this intro period only lasts six months before the regular APR of 13.24% kicks in.(MORE: Your Credit Card Rewards Aren’t Worth As Much As You Think) Apple Barclaycard: “I know everyone loves Apple but you shouldn’t love their credit card,” says John Ulzheimer, president of consumer education at Smart Sometimes all credit cards can seem alike — or, at least, not different enough to spend a lot of time trying to figure out their differences.

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But the flip-side is also true: Some cards are worse than others.files, this card also charges 5 a year for the privilege of carrying it.The benefits it touts, like no foreign transaction fees and accelerated rewards on gas and groceries, can be found on plenty of other cards that don’t cost nearly as much.If you don’t pay your entire balance off by the end of the promotional period, which can be as short as six months, or if you make a single late payment, that hefty APR can really trip you up.“Interest will be charged retroactively back to date of purchase — ouch,” Arnold says.