annual fee??  I have 5 cards from 4 different banks. Not one is over 10% with the lowest being 7.9% and not one has an annual fee.  I know they made some drastic changes thanks to obamacare and the bank fiasco he helped champion but really are there that many people out there not willing to look around a little longer to find something with no annual fee?? 

You've got to be kidding me.  What  kind of credit card is this?

I cannot believe that you give me this option as #1.  A $45 annual fee???  You have to be kidding.  I will never pay a fee for a credit card unless every credit card in the world charges a fee.  You guys need to take a look at what you are promoting.  Makes me wonder just how much Iberia is kicking back to you.  Sorry for being so cynical.

 I can't believe that this card is Credir Karma's #1 recommendation for me!  The #2 recommendation is a card that I already have!!  Add to this a glaring error in my "Credit Report Card, and I'm beginning to doubt the cerdibility of Credit Karma altogether.  (This is disappointing, because they claim that my overall rating is "Excellent," but now I don't know if I can trust them at all.)

Wow I can not believe you denied me credit you said my credit score was 460 liar it is acually 758 where do you get your information from. I am glad you did not approve my application you charge a annual fee. So you did me a big favor. I work very hard to keep my good credit you owe me an apology.

annual fee??  I have 5 cards from 4 different banks. Not one is over 10% with the lowest being 7.9% and not one has an annual fee.  I know they made some drastic changes thanks to obamacare and the bank fiasco he helped champion but really are there that many people out there not willing to look around a little longer to find something with no annual fee?? 

 Annual fee

The 7.5% rate is good, but as others have said, the $45 fee for 2 years would offset any interest you save.  Also, if it is a variable rate, you could get stuck paying higher interest in the future, which is a very likely possibility given how things are going.

DOn't worry about your score ... Just get out of debt. 

I would love to take advantage of this offer to transfer my credit card balances but as you said they have you coming and going - after three jobs being outsourced, i was reduced to making only min payments on my accounts but all were current but it really screwed up my debt to ratio - then I got laid off the next job and for the first time in over 25 years I have unable to make any payments to the credit card I have had the longest and actually carries the most debt because I had done balance transfers to get a 6.9 rate - so now I have been unable to pay them since nov 1 (three paymnts late now) - I have a shot at an at home job but it to some extent it does deal probably with taking peoples cr info over phone for reservations and if they run cr check, then they won't hire me (my only hope is they will see only 3 mnths) and then there is some bogus charge from some biopsy place in Gainsville Florida that my former Cigna Insurance sent me a statement I do not owe them anything because they submitted their claim tooo late but they still keep sending me bills saying I am almost a year over due..........if I don't get this job, I might as well pack it up and move to India. 

They get you coming or going. This card has great interest rates, at least for a while (I don't know if they change the rate after you've got a balance or not). BUT....there's an annual fee of $45. So, depending on how much you use it and how long you expect to carry a balance the "advantages" may cancel out. I already have a couple of cards with annual fees, which I would love to close, but they are my oldest accounts and it would adversely affect my credit score. So I'm captive!!!!