1. American Express® Preferred 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:	$125

Our Opinion: Good card if you pay your balance each month and can take advantage of the reward program. Card includes free access to the Membership Rewards program. Earn 1 point per $1 spent on all purchases. Receive 10,000 bonus points after first purchase. Points may be used for travel rewards on over 21 airlines, or other rewards. Earn unlimited points per year. Points do not expire. The annual fee is high, but it is waived the first year. Benefits include auto rental insurance, travel accident insurance and purchase protection insurance. Card also provides exclusive access to Gold Card events and tickets for select shows, sporting events and concerts.

2. Starwood Preferred Guest® Credit Card from American Express

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Interest Rate:	13.24%
Intro Rate:	2.9% APR 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. Future balance transfers will be 9.99% + the current Prime Rate.

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 $30. 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. TrueEarnings® Card from Costco and American Express

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Interest Rate:	13.24%
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 purchases. 3% is earned for gasoline purchases up to $3,000, 1% thereafter. 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.

4. Delta Reserve Credit Card

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Interest Rate:	13.24%
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% APR during the first 12 months of Cardmembership on Balance Transfers submitted on the application and/or within the first 30 days of Cardmembership. Then, 13.24%.

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.