1. Miles by Discover® Card

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

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

Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.

2. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit

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Interest Rate:	13.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: The Capital One® No Hassle Miles(SM) Rewards card for people with excellent credit is by far one of the best and least costly airline reward cards available. Through the reward program, cardholders earn 1.25 miles per dollar spent on all 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 and an average interest rate for purchases and balance transfers. This card provides common platinum benefits such as emergency roadside assistance, 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 an airline 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 - Excellent Credit card has to offer.

3. Citi PremierPass® Elite Level

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Interest Rate:	As low as 13.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$75

Our Opinion: The annual fee is slightly high but it has a decent rewards program. Receive 20,000 bonus points after $600 in purchases made within 3 months of account opening. Earn 2 points per $1 spent on purchases made at gas stations, drugstores and supermarkets. Earn 1 point per $1 spent on general purchases. Earn 1 point per 1 mile you fly with any airline (includes tickets bought with the card for someone else). Redeem points for various items, statement credit, or services. Earn up to 200,000 points per year; points can expire in 3 years. Points earned can be used with most frequent flyer programs. Unlimited companion travel (minimum fare requirements apply). Platinum benefits include travel accident insurance (up to $1,000,000), purchase protection, and various travel and emergency assistance services. The $75 annual fee is a bit high but this card will benefit those who pay their card off in full each month and can use the reward program and take advantage of a high annual maximum for points.

4. MERRILL+® Card

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Interest Rate:	9.99%
Intro Rate:	1.9% APR for 12 Months
Grace Period:	25 Days (Min.)
Credit Limit:	up to $250,000
Annual Fee:	None

Special Offers: The introductory rate is also available for cash advance checks.

Our Opinion: Created for those with good credit who want a Merrill Lynch reward card with a low rate. Earn 1 point per $1 spent. Earn unlimited points. Points are redeemable for car rentals, hotel stays, and air travel. 25,000 points earns an airline ticket in the Continental U.S. 2% foreign transaction fee. Balance transfer fee is 3% ($10 min., $75 max.). Benefits include travel insurance, car rental insurance, extended warranties for purchases, and emergency assistance services.

5. Blue Sky from American Express®

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Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process.

Our Opinion: Created for those with good credit who will use the reward program. Receive 1 pt. per $1 spent on all purchases. Earn unlimited miles; they do not expire as long as the account is active. Redeem points for air travel, cruise, hotel or rental car. There are no travel restrictions or blackout dates. Redeem points in 7,500 increments toward 1 purchase at a time. 7,500 points equals a credit of up to $100. For example, if you have a $153 charge for a car rental, you may redeem 7,500 points for a $100 credit or 15,000 points for a $153 credit. Benefits include auto rental insurance.

6. Simmons First Visa Platinum Rewards

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Interest Rate:	8.95% Fixed
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Our Opinion: Created for those with excellent credit who want a choice of rewards. Receive 1 point per $1 spent with this card. Redeem points for a flight on any U.S. based airline, no black out dates, and choice of ticket class. May also redeem points for hotels, cruises, vacation packages, restaurants, and car rental. Benefits include travel insurance and car rental insurance. No transaction fee for balance transfers.

7. Citi PremierPass®

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

Special Offers: The introductory rate is available on balance transfers for up to twelve months.

Our Opinion: Created for those with excellent credit for those who want travel rewards. There is no annual fee and a reasonably low interest rate for purchases and balance transfers. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening; balance transfer fee is 3% ($5 minimum). Participants in the reward program earn 1 point per $1 spent on general purchases and 1 point for every 3 miles flown on any airline. Receive 10,000 bonus points after the first $300 in purchases made within 3 months. Redeem points for various items or services. Earn up to 100,000 points per year; points will expire in 3 years. Points earned are also compatible with most frequent flyer programs. 3% international transaction fee. Platinum benefits include travel accident insurance (up to $1,000,000), various emergency and travel assistance services and purchase protection.

8. Capital One® No Hassle Miles(SM) Ultra-For Professionals

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Interest Rate:	13.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $30,000
Annual Fee:	$39

Our Opinion: The Capital One® No Hassle Miles(SM) Ultra-For Professionals card is the perfect card for professionals with excellent credit that want to earn airline miles rewards for all of their purchases. Through the reward program, cardholders will earn two miles for each dollar spent on all purchases. Miles won't expire, and there is no limit to the amount of miles that you can earn. Plus, miles are redeemable on any airline, anytime, with no blackout dates or seat restrictions. Miles can also be redeemed for cash, merchandise, charitable donations, and gift cards. This card has an annual fee of $39; however, it does offer an average interest rate for purchases and balance transfers. This card provides common platinum benefits such as emergency roadside assistance, purchase insurance, and concierge services. 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 great airline miles rewards card will benefit most from what the Capital One® No Hassle Miles(SM) Ultra-For Professionals card has to offer.

9. Citi® Gold/AAdvantage® World MasterCard®

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Interest Rate:	14.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$50

Our Opinion: Created for those with good credit who fly on American Airlines. Earn 1 mile per $1 spent. Miles may be used for free flights on American and its airline partners, hotel stays, and car rentals. Earn up to 60,000 miles per year. Offers 15,000 bonus miles after you make $750 in purchases within 4 months. The annual fee is lower than many airline reward cards and it is waived during the first year. Benefits include auto rental insurance, and travel accident insurance. This card will benefit those who pay off their balance each month and will be able to earn a free ticket within 3 years (due to the annual fee).

10. Bank of America Visa Signature® WorldPoints™ Reward

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Interest Rate:	9.99% / 15.99%
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.

Our Opinion: Created for those with excellent credit who will take advantage of the reward program. Earn 1 point per $1 spent on general purchases. Redeem for cash rebates, gift certificates or travel rewards. Earn unlimited points each year; points expire in 5 years. 25,000 points for a round-trip airline ticket. 5,000 points for $25 cash. 3% foreign transaction fee. Low fixed rate and intro period make this a good choice for balance transfers. Balance transfer fee is 3%, $10 minimum.