1. Capital One® Platinum Prestige

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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.

2. Simmons First Visa Platinum

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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.

3. 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.

4. Pulaski Bank Visa® Card

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Interest Rate:	6.50%
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	$35

Special Offers: The introductory rate is available on balance transfers submitted during the first three months.

Our Opinion: Do not apply for this card unless have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you do have outstanding credit, this is very good card. Despite the annual fee, this card is a good choice if you transfer balances from cards with higher rates. The intro rate is 0% on balance transfers for six months. Charges the same rate for cash advances. 2% foreign transaction fee. However, aside from the very low interest rate for all transactions, cardholders should expect only average services or benefits offered by the card.

5. 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.

6. Pulaski Bank Gold Visa® Card

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Interest Rate:	8.00%
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers submitted during the first three months.

Our Opinion: Do not apply for this card unless you have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you have outstanding credit, this is a good choice for a low interest rate card. No annual fee. The low rates makes this a good choice for transferring balances from other cards. The intro rate is 0% on balance transfers for 6 months. Same low rate applies for cash advances. No fee for balance transfers or cash advances. The 2% foreign transaction fee. This card does not offer extraordinary benefits or services. This card will benefit those who will carry a balance without having to pay an annual fee.

7. Blue from American Express®

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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.

8. Discover® More(SM) Card- American Flag

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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: The Discover® More(SM) Card - American Flag, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus in categories such as travel, home, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account remains active within a 36-month period. Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. The Discover® More(SM) Card - American Flag card has no annual fee, an attractive 0% introductory rate on purchases for 6 months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - American Flag has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year; so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus award.

9. 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).

10. Capital One® No Hassle Points(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 Points(SM) Rewards card is a great rewards card for people with excellent credit. Through the reward program, cardholders will earn two points per dollar spent at gas stations, grocery stores, and drug stores, and they will earn one point per dollar spent everywhere else. Points are redeemable for merchandise, gift cards, cash, and travel. There is no limit on the amount of points you can earn, and points don't expire. 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 up to $100,000 in travel accident insurance. Therefore, those who want an excellent points rewards card and no annual fee will benefit most from what the Capital One® No Hassle Points(SM) Rewards - Excellent Credit card has to offer.