Which credit cards enjoy low fixed APR's and no annual excise? I'm not interested in things like frequent flyer miles and incentive

I'm not interested in things like frequent flyer miles and incentive programs.

Also, which are the most difficult about late return fees and finance charges?

Answer:
See this website:

Hi Holly,

Myself, I was within the same frustrating situation: I wanted to find the best credit card. But after origination to study the terms on a few cards, WHOA, it's overwhelming. But, I knew that similar to many of these shopping situations, the more you research, the better deal you'll achieve.

Fortunately I found a site that did the work for me at http://www.lendersrated.com/creditcards....

I think it's exactly solves your problem. I hope this helps you.
Leafgreen