1. Discover® More(SM) Card

Apply Now See Details

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).

2. Capital One® Platinum Prestige

Apply Now See Details

Interest Rate:	7.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate. No balance transfer fee. Additional benefits include roadside assistance and extended warranties for purchases.

3. Simmons First Visa Platinum Rewards

Apply Now

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.

4. Citi® Platinum Select® MasterCard®

Apply Now See Details

Interest Rate:	As low as 8.49%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

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

Our Opinion: This card has a low rate intro for purchases and balance transfers with no annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). 3% international transaction fee. Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance.

5. Simmons First Visa Platinum

Apply Now

Interest Rate:	7.25% Fixed
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Our Opinion: Only about 1 in 3 applicants are being approved for this card. You must have EXCELLENT credit to qualify or you will be rejected. The low fixed rate on this makes this a good option for balance transfers. No fee for balance transfers. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.

6. Blue from American Express®

Apply Now See Details

Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for up to 15 Months
Grace Period:	20 Days
Credit Limit:	up to $100,000
Annual Fee:	None

Special Offers: The introductory rate for purchases varies and will be fifteen months, twelve months, or six months. 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: One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3% ($5 min, $99 max). The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.

7. Bank of America Accelerated Rewards™ American Express® Card

Apply Now See Details

Interest Rate:	9.99%
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 average credit who want a reward card with a low rate. Low fixed rate makes this a good choice for balance transfers (Balance transfer fee is 3% with a $10 minimum). No fee for foreign transactions. Earn 1 point per $1 spent. Redeem points for cash, travel, merchandise, hotel discounts and gift certificates. Earn unlimited points. Points expire in 5 years. Redeem 5,000 points for $25 cash. Redeem 25,000 points for airline ticket in Continental U.S.

8. Chase Platinum Visa® Card

Apply Now See Details

Interest Rate:	10.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Good choice for those with very good credit who want to transfer a balance. Intro period is 12 or 3 months, determined by your application and credit history. 3% balance transfer fee ($5 min., $75 max.). If you have average credit and qualify for the standard pricing, the intro period is only 3 months. In the rewards program, earn 1 point per $1 spent. Redeem points for cash back, travel, merchandise, and gift cards. Earn up to 60,000 points per year; points expire in 5 years. The card has a reasonable interest rate and no annual fee. The card does have a high APR for cash advances and a high default rate. 3% international transaction fee. Benefits include insurance for auto rental, travel accident insurance, and a year-end summary of transactions.

9. AT&T Universal Savings Platinum Card

Apply Now See Details

Interest Rate:	As low as 8.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

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

Our Opinion: Designed for those with very good credit who want a card with platinum cardholder benefits. Card acts as both a credit card and calling card; however, the calling card rates are high. Receive up to 30 free phone minutes per month. For each dollar you spend on AT&T products and services that matches the amount you spend on other purchases, you will receive 10% savings in the first 12 months and 5% thereafter. Savings will appear on your billing statement; you can save up to $350 in any calendar year. APR for purchases and balance transfers is reasonably low for those who carry a balance. Also, there is a 0% intro rate for balance transfers for one year. Balance transfer fee is 3%, $5 minimum. 3% international transaction fee.

10. Chase Flexible Rewards Platinum Visa®

Apply Now See Details

Interest Rate:	10.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Created for those with very good credit and who will use the reward program. Balance transfer fee is 3% ($5 min., $75 max). Earn 1 point per $1 spent on general purchases. Redeem points for gift certificates, merchandise, cash or a selection of travel awards. Earn up to 60,000 points per year; points expire in five years. Cardholder benefits include travel accident insurance, purchase protection and auto rental insurance. You will be charged a $25 service fee for travel agency services for mileage redemption. 3% international transaction fee.