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Since Islamic banks are forbidden from investing in companies that profit from alcohol, tobacco, pornography, gambling or pork, many non Muslims who object to these practices on personal grounds are also attracted to the programs. University Bank in Ann Arbor, Mich., launched a line of Shariah-compliant mortgage and home refinancing programs, profit-sharing deposit accounts, and shares in Islamic mutual funds in 2003, while Chicago-based Devon Bank offers Shariah-compliant home, construction, and small-business financing products.

Not surprisingly, however, the majority of banks issuing Shariah-compliant credit cards are located in countries in the Persian Gulf region, the Middle East, and Southeast Asia. Finance companies LARIBA American Finance House and Guidance Residential also provide customers with a variety of home, automobile and business finance products.

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Not just for Muslims You don't necessarily have to be Muslim to get a Shariah-compliant card.

"In general, with line-of-credit cards, a customer can expect to pay usage fees equal to 5 percent to 10 percent of the outstanding balance," he says.

"With the others, a cardholder will usually be required to pay a third of the outstanding balance and have a deposit account with the bank." The bank must also follow certain restrictions.

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