The 800 pound gorilla finally snags a credit card and it’s not platinum or gold. Microsoft has teamed up with First USA to offer the MSN Titanium VISA card. The new translucent card features a 0% introductory rate for six months, free MSN Internet Access for six months, and a complimentary version of Microsoft Money 2002 Standard software. The card carries a risk-based APR, after the introductory period, of prime plus 2.90%, or 6.90%, or 10.90%. There is no annual fee, but there is a 3% balance transfer fee. Cardholders will have access to sophisticated financial tools on MSN and can apply for the MSN Titanium Visa card through the Banking section of CNBC on MSN Money. Cardholders may also access updated account statements for their MSN Titanium Visa card online. For more information on the new card: moneycentral.msn.com/banking/services/msnvisa.asp.