Would you like to know what 36,298 credit card users had to say about the 61,944 cards they've used recently? Would you like to know which ones they like the most? Well, the Consumer Reports National Research Center has some answers for you, along with some guidance.

Who's on first?
According to a study by the center, the top-ranked credit card is the USAA Federal Savings card, which scored 95 points out of 100 in the center's survey and charges a median interest rate of 7%. The bad news is that this card is only for military and retired military people, and their families. Next up is the Navy Federal Credit Union card. Yes, I know -- that's another case of bad news, unless you happen to be in the Navy.

If you happen to be in the military, be sure to look into USAA's offerings. The organization frequently garners high ratings for its wares. But if you're not among the ranks of the military, you needn't rush out to your local recruitment office to snag a great credit-card deal. In fact, the third-highest rating in the study was for plain old "other credit union" cards. In other words, you're likely to get a good deal from most credit unions -- and you may well be eligible to join one in your neighborhood.

Other noteworthy rankings popped up for sporting-equipment retailer Cabela's (NYSE: CAB - News) and