A new no-fee credit card from Pittsburgh-based Mellon Bank will refund up to 100% of the interest paid on revolving balances. The 17.9% rate on the standard CornerStone MasterCard is about a point higher than the national average, but cardholders can collect an interest rebate of 10% after two years, 15% after three, and continuing at 5% increments until it reaches 100% in year 20. To apply for a standard or (14.9%) gold card, call 800 INT-BACK. It's available in all states except Alaska, Hawaii, and Wisconsin.

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