It’s no mistake, this credit card’s interest rate is 79.9 percent. The bloated annual percentage rate is how First Premier Bank, a subprime credit card issuer, is skirting new regulations intended to curb abusive practices in the industry. It’s a strategy other sub-prime card issuers could start adopting to get around the new rules.

The Kohl’s credit card is designed specifically for their customers to shop in-house. Though administered by Chase Bank, it is not affiliated with MasterCard or Visa, so cannot be used in any other locations. Because of the diversity of their products however, this poses no big problem, as you can buy just about anything at Kohl’s.

The Reward Zone® MasterCard® is serviced by Capital One, N.A., for Best Buy® customers. Cardholder benefits may include special finance offers, points towards the Reward Zone® program, and online account management. Credit cards can be used online or in stores nationwide and for select countries worldwide.