1. Blue Cash® from American Express

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Interest Rate:	17.24%-21.24% Variable*
Intro Rate:	0% on Purchases for 6 months
Grace Period:	25 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: 0.00% Introductory APR (0.0000% DPR) for Purchases for 6 months of Cardmembership.

Our Opinion: Created for those with good or excellent credit who want a cash back reward card. Unlimited cash back on eligible purchases but this varies with the amount spent per year. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases; for Eligible Purchases of $6,500.01 or more, the rebate percentage is 5.0% for Everyday Purchases and 1.25% for all other Eligible Purchases. "Everyday Purchases" are made at drugstores, automobile gas stations and supermarkets. Benefits include purchase protection plan and up to $100,000 in travel accident insurance. Once you charge more than $6,500, the rebate rate is better than most cards. However, the high APR makes this a good card only if you pay off your balance each month. Rebates appear as a credit 1 month following your anniversary date. Earn cashback on recurring bills by enrolling in the automatic payment option.

2. Starwood Preferred Guest® Credit Card from American Express

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Interest Rate:	15.24%*
Intro Rate:	2.90% on Purchases and Balance Transfers for 6 months
Grace Period:	20 Days
Credit Limit:	up to $100,000
Annual Fee:	$45

Special Offers: The introductory rate is available on balance transfers submitted during the application process.

Our Opinion: Created for those with good credit who often stay at Starwood resorts and hotels. The interest rate for purchases is reasonably low for a reward card. The annual fee is $45. Earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases (Starwood has over 750 participating hotels and resorts). Redeem points for various travel related services including free hotel stays and airline travel. Members receive 10,000 points (3 free nights at some hotels) with first purchase. Receive an additional 15,000 Starpoints if you spend $15,000 in 6 months. Points do not expire as long as you make one eligible stay per year. Transfer earned points to a variety of frequent flyer programs. Benefits include auto rental insurance, travel accident insurance, and various fraud protection services with each usage. This card will benefit those who will pay in full each month after the intro rate expires, frequently stay at Starwood Hotels and Resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel related service within a two-year period.

3. Blue Sky from American Express®

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Interest Rate:	17.24%-21.24% Variable*
Intro Rate:	0% on Purchases for 6 months
Grace Period:	25 Days
Credit Limit:	a/pp
Annual Fee:	None

Special Offers: 0.00% Introductory APR (0.0000% DPR) for Purchases for 6 months of Cardmembership.

Our Opinion: Created for those with very good credit who want a travel reward program. Earn 1 point per $1 spent; points do not expire as long as the card is active and in good standing. Use points for any flight, hotel, car rental or cruise. No blackout dates or restrictions. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. Benefits include auto rental insurance. The APR is high for a travel card so this a good option only if you pay off your balance every month.

4. TrueEarnings® Card from Costco and American Express

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Interest Rate:	15.24%*
Intro Rate:	0% on Purchases for 6 months
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: n/a

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 purchases. 3% is earned for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. $25 statement credit with first purchase. 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.

5. Delta Reserve Credit Card

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Interest Rate:	14.50%*
Intro Rate:	9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	$450

Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.

Our Opinion: Created for Delta frequent flyers with good credit who want to earn miles. Earn 1 mile per $1 spent. Earn Always Double Miles® for each eligible dollar spent buying at drug stores, grocery stores, gas stations, home improvement and hardware stores, and for certain U.S. postal services. Cardholders can pay for part or all of their flights through the Pay with Miles option. Earn 10,000 Medallion® Qualification Miles (MQMs)after using your card for your first purchase. Earn up to 30,000 MQMs with Built-in Miles Boost(SM) for spending $30,000 in one year. Spend $60,000 in a year, and earn an additional 15,000 MQMs and bonus miles. The MQMs can be used to upgrade to Medallion® status or they can be transferred to friends and family members who have Delta SkyMiles® accounts. Each year, cardholders will receive a free companion certificate for travel in first-class or coach. Benefits include car rental insurance, roadside assistance, and travel accident insurance. APR is above average for a reward card. Annual fee is high-$450 per year. This card will benefit those who pay off their balance each month and spend enough to maximize the benefits of using the card.

6. Platinum Delta SkyMiles® Credit Card from American Express

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Interest Rate:	14.50%*
Intro Rate:	9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	$150

Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.

Our Opinion: Created for those with very good credit, this is one of the best of the Delta SkyMiles® Cards. Earn 1 mile per $1 spent on general purchases and 2 miles per $1 spent at participating merchants and retailers (including Delta Airlines related purchases). New applicants receive 20,000 bonus miles with first purchase. 5,000 of these are Base Miles which are applied towards the Medallion Status program for mileage bonuses, upgrade opportunities and more. Miles do not expire (however, travel must be made through Delta Air Lines at least once every 2 years), earn unlimited miles. Annual fee is $150 (reduced to $95 if you already have an American Express Charge Card). The balance transfer rate is higher than average, 3.9% for the first twelve months. The APR for purchases is above average for a reward card. Benefits include travel accident insurance and auto rental insurance. This card will benefit those who spend at least $3,00 ore more a month (due to the card's high annual fee), often fly on Delta Airlines, and will use the card at participating retailers and merchants.

7. Zync from American Express^SM

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	n/app
Annual Fee:	$25

Our Opinion: Reward charge card with customizable benefits and a $25 annual fee for the basic card. Earn 10,000 Membership Rewards® points after first purchase. Membership Rewards® are earned for every eligible purchase, earn 1 point per $1 spent. Redeem for travel, shopping and entertainment rewards. Purchase lifestyle packs for additional rewards. Go Pack allows you to earn 2X Membership Rewards® points for airfare. The Social Pack allows you to earn 2X Membership Rewards® points on events and restaurant purchases. The Connect Pack allows you to earn 2X Membership Rewards® points on mobile and cable services, including Internet, cell phone and cable. The Eco Pack gives cardholders 2X Membership Rewards® points on purchases from select green merchants.

8. The Platinum Card® from American Express

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	See Important Notations
Annual Fee:	$450

Our Opinion: The Platinum Card® from American Express is a charge card designed for those who have an excellent credit history, can pay in full each month, and want to avoid accumulating credit card debt. This platinum card is by far one of the most glamorous of all platinum cards - offering numerous benefits and services to cardholders. In addition to the services provided by the gold card, the platinum card offers a concierge service, exclusive shopping discounts, up to $500,000 in travel accident insurance, and various travel related discounts, benefits, and services for cardholders (too many to list here). Read the ‘Additional Perks’ section (see below) as some of the benefits are quite impressive and unique. Access to the Membership Rewards® program is free and offers cardholders the opportunity to redeem accumulated points for various services and benefits. For those who are not familiar with the Membership Rewards® program, it is by far one of the best and most flexible reward programs available, with no expiration or yearly limit applied towards points earned. Plus, cardholders get 25,000 bonus points when they spend $1,000 in their first three months of membership - that's the equivalent of one domestic airline ticket. Of course, all these services and benefits come with a hefty price - a $450 annual fee, which is one of the highest annual fees in the credit card industry. Due to its high annual fee, this card should be exclusively used by those who spend at least $3,500 - $4,500 or more on their credit cards each month, frequently travel, and plan to take advantage of the many exclusive benefits offered. Therefore, those who will take advantage of the many services and discounts and plan to spend several thousand dollars a month will benefit most from The Platinum Card® from American Express.

9. American Express® Gold Card

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	See Important Notations
Annual Fee:	$125

Our Opinion: The American Express® Preferred Rewards Gold Card is an ideal card for those who can afford to pay in full each month to avoid accumulating credit card debt, as often can be the case with revolving balances and high interest rates. Cardholders have access to the Membership Rewards program for no additional fee. Through the rewards program, cardholders earn one point per dollar spent on all purchases. Plus, cardholders will receive 10,000 bonus points after spending $500 in three months, which is redeemable for a $100 gift card at participating merchants and retailers. Points can be redeemed for travel rewards on over 21 airlines and for many other rewards. There is no limit to the amount of points that can be earned, and points never expire. The annual fee of $125 is waived the first year. Additional services and benefits include travel accident insurance, auto rental insurance, purchase protection services, various merchant discounts, and more. Cardholders will also have access to Gold Card Events, which gives them exclusive access to tickets for select concerts, shows, sporting events, and more. Therefore, those who can afford to pay in full each month, would like to participate in the rewards program, and plan to take advantage of the many benefits and services provided by American Express® will benefit most from what the American Express® Preferred Rewards Gold Card has to offer.

10. American Express(R) Premier Rewards Gold Card

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	See Important Notations
Annual Fee:	$175

Our Opinion: American Express now offers a faster way to earn points with the American Express® Premier Rewards Gold Card. This card allows you to buy the things you need, and get rewarded with the things you want. With the American Express® Premier Rewards Gold Card, you can earn points up to three times as fast. Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership. You can earn triple points on all airfare for the life of your membership, as well as earn 15,000 bonus points when you spend $30,000 per calendar year. Rewards points have no expiration date, and there is no limit to the number of points you can earn. Use Membership Rewards Pay with Points to fly any airline, anytime with no seat restrictions or blackout dates. You can also book hotels, cruises and vacation packages. Use points to pay for your entire trip or a portion of it, and continue to earn points with your favorite frequent flyer and guest programs when you book. Points can also be redeemed for rewards from over 50 of the finest names in shopping and entertainment. Enjoy the security and convenience that American Express has to offer every time you shop and travel. The American Express® Premier Rewards Gold Card provides a Fraud Protection Guarantee, Return Protection, Extended Warranty, and Purchase Protection. with Emergency Card Replacement services. When you travel, book using the American Express Travel Service, which qualifies you to receive a credit of up to $100 to your account once a year. You will also enjoy a Baggage Insurance Plan, Emergency Check-In, Assured Reservations, Car Rental Loss and Damage Insurance, and Travel Accident Insurance. With the Gold Card status, you can enjoy special travel packages and upgrades, as well as access to Preferred Seating, pre-sale tickets, and much more! Therefore, if you are interested in a card with huge rewards, convenience and security, the American Express® Premier Rewards Gold Card may be the card for you.