1. Capital One® No Hassle Points(SM) Rewards

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Interest Rate:	16.90%
Intro Rate:	0% on Purchases until June 200
Grace Period:	25 Days
Credit Limit:	up to $3,000
Annual Fee:	$29

Special Offers: A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details.

Our Opinion: Created for those with limited credit history who want a card with a good rewards program. Earn 5 points per $1 spent at gas stations, drug stores, and major grocery stores. Earn 1 point per $1 spent on all other purchases. Use points for cash, travel, gift cards and merchandise. Earn unlimited points each year; points do not expire.

2. Discover® Open Road(SM) Card

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: With a low APR, this is a good choice for those with very good credit. 5% cashback on gas and auto maintenance purchases; the 5% rebate is limited to the first $100 in combined gas and auto maintenance each month. All other purchases receive up to 1%. Earn .25% for your 1st $1,500 in charges; your second $1,500 earns .50%. Purchases over $3,000 earn 1%. Platinum card members can enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card benefits those who will pay off their card each month and charge up to $1,200 on gas and auto maintenance each year (to maximize the rebate).

3. Blue Cash® from American Express

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Interest Rate:	As low as 11.99%
Intro Rate:	0% APR for Up to 12 Months
Grace Period:	20 Days
Credit Limit:	See Important Notations
Annual Fee:	None

Special Offers: A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process.

Our Opinion: Created for those with good credit who use the Cash Back reward program. Up to 5% Cash Back with unlimited cash rewards. 0-$6,500 spent receives 1% cash back for Everyday Purchases and .5% for all other purchases. Spend over $6,500 and receive 5% cash back for Everyday Purchases and 1.5% for all other purchases. Earn cash back if you use the card to pay for monthly bills with participating merchants and expenses such as cable and telephone bills, transportation and parking. There is no annual fee. Rebates are restricted to the first $50,000 in spending annually. You will have to wait to receive your rewards- your account will be automatically credited for the amount of your cash back two months following your yearly anniversary (your approval date). 2% international transaction fee. Benefits include a purchase protection plan, buyer's assurance plan, and travel accident insurance. This card is attractive for people who pay off their balance each month, don't mind waiting for their rewards and spend more than $5,000 per year.

4. Capital One® No Hassle Miles(SM) Rewards For Travel & Gas

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Interest Rate:	9.90%
Intro Rate:	0% on Purchases Until January
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: The Capital One® No Hassle Miles(SM) Rewards For Travel & Gas card is by far one of the best and least costly airline reward cards available for cardholders who frequently travel and make gas purchases. Cardholders will earn three miles per dollar spent on travel and gas purchases and one mile per dollar on all other purchases. Miles are redeemable for flights on any airline (with no blackout dates), cash, merchandise, and gift certificates. Miles can also be donated to participating charities. This card has no annual fee. This card provides benefits such as emergency cash or card replacement, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a travel & gas reward card with an interest rate that gives them the option to carry a balance may benefit most from what the Capital One® No Hassle Miles(SM) Rewards For Travel & Gas card has to offer. *This card is for applicants with Excellent Credit.

5. Capital One® No Hassle Points(SM) Rewards - Excellent Credit

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Interest Rate:	9.90%
Intro Rate:	0% on Purchases Until January
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: Created for those with excellent credit who want a reward card. Earn 2 points per $1 spent at grocery stores, gas stations, and drug stores. Earn 1 point per $1 spent on all other purchases. Earn unlimited points each year; points do not expire. Benefits include travel accident insurance, roadside assistance, and extended warranties for purchases.

6. Discover® More(SM) Card

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Earn up to 1% Cashback Bonus® on general purchases. Cashback rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

7. TrueEarnings® Card from Costco and American Express

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Interest Rate:	13.99%
Intro Rate:	0% APR for 3 Months
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: A 1.99% introductory rate is available on balance transfers for the first six months if a transfer is submitted during the first 40 days.

Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases, 3% is earned for restaurant and gasoline purchases. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.

8. Discover® More(SM) Card - Monogram

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Earn up to 1% Cashback Bonus® on all other purchases. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Uses the "Two-Cycles Average Daily Balance" method for finance charges. This is typically more costly. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month.

9. Discover® More(SM) Card - Clear

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a cash reward credit card. Earn up to 2% in cash rebates with the card. Spend up to $1,500 (or if purchases are made at select warehouse clubs and discount stores) and receive a .25% rebate; spend between $1,500 and $3,000 and receive a .5% rebate; spend over $3,000 and receive a 1% rebate. Enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers.

10. Discover® More(SM) Card - Wildlife Collection

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a cash reward credit card. Earn up to 2% in cash rebates with the card. Spend up to $1,500 (or if purchases are made at select warehouse clubs and discount stores) and receive a .25% rebate; spend between $1,500 and $3,000 and receive a .5% rebate; spend over $3,000 and receive a 1% rebate. Enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers.