Many here will disagree but here is the story...

Ten good cards
In today's world, with mailboxes often overflowing with credit-card offers, it can be difficult to find the perfect card. Plus, "a lot of the things that seem to be of most concern to consumers are happening across the board with the biggest issuers," Rock said.

Consumer Reports compiled a list of ten cards that stand out because their issuers don't employ universal default policies and don't charge balance transfer fees. The following ten cards also have a grace period of at least 25 days and don't charge an annual fee, according to the study.

As well as the following list of ten consumer-friendly cards, credit unions often offer charge cards with favorable terms, Rock said. To see whether you're eligible to join any credit unions, visit the Credit Union National Association.

The following bank-issued cards offer introductory rates ranging from zero to 3.9%. After the introductory period ends, those rates are followed by a regular rate ranging from 7.99% for the No. 1 card listed, to 11.5% for No. 10 card on the list. (Note that these terms are offered to consumers with high credit scores.)

While these cards offer more favorable terms than many other cards, they still charge late-payment fees as high as $35. Still, the Commerce card listed charges no late fee, and the Town North card charges a late fee of just $15, according to Consumer Reports.

Platinum MasterCard, issued by Town North, 877-866-2265

Visa Platinum, issued by First Tennessee, 800-234-2840

Visa Gold, issued by Pulaski, 800-217-7715

Visa Platinum Rewards, issued by Simmons First National, 877-245-1234

Target Visa, issued by Target National, 877-474-8378

Visa Platinum, issued by BB&T, 800-476-4228

Platinum MasterCard, issued by Franklin Templeton Bank & Trust, 800-238-2761

Visa Platinum, issued by RBC Centura, 800-236-8872

Visa Platinum, issued by Commerce, 888-751-9000

Visa Platinum, issued by Zions, 800-789-8800