1. Capital One® Classic Platinum Credit Card - Average

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Interest Rate:	17.9% - 22.9% (V)*
Intro Rate:	0% Intro on Purchases Until November 2012
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	$39

Special Offers: 0% on Purchases until November 2012. See terms and conditions for complete details.

Our Opinion: The Capital One® Classic Platinum card is an excellent option for those with an average credit history (credit limit less than $5,000 on any card, late on more that one loan payment in the last six months). $39 annual fee Platinum benefits include emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Therefore, those with an average credit history who would like to take advantage of the 0% introductory offer and the reasonable interest rate thereafter will benefit most from what the Capital One® Classic Platinum card has to offer.

2. Orchard Bank® Visa® Cards

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Interest Rate:	14.99% or 19.99%, or 7.99% for*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Orchard Bank® Visa Cards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with a limited credit history the opportunity to establish better credit. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum Visa is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. The interest rate is average for this type of card. The Orchard Bank Secured Visa has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Standard Visa is another offer. The processing fee is $39. The annual fee for the first year is $29 and then $59 per year thereafter. The Orchard Bank® Gold Visa has a $49 annual fee the first year, and $59 per year thereafter. Also, applicants should expect to pay an account processing fee of $19. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank® Visa® Cards to be a good fit. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.

3. Orchard Bank® Classic MasterCard®

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Interest Rate:	14.99% or 19.99%, or 7.99% for*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Orchard Bank Classic MasterCards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum MasterCard is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. There is no account processing fee and the interest rate is average for this type of card. The Orchard Bank's Classic MasterCard has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Classic MasterCard has an annual fee of $29 the first year and $59 per year thereafter. There is also an account processing fee of $39 per year. The Orchard Bank Gold MasterCard has an annual fee that is based on a review of the applicant's credit history and will be $49 the first year and $59 per year thereafter. Also, applicants should expect to pay $19 for the account processing fee. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.

4. AccountNow® Prepaid MasterCard®

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $10,000
Annual Fee:	None

Our Opinion: The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month). Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow® Prepaid MasterCard® to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

5. Capital One® Rewards No Hassle℠ Cash Credit Card - Average

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Interest Rate:	17.9% - 22.9% (V)*
Intro Rate:	0% Intro on Purchases Until November 2012
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	$39

Special Offers: A 0% introductory rate is available on purchases until November 2012. See terms and conditions for complete details.

Our Opinion: The Capital One® Rewards No Hassle℠ Cash Credit Card - Average is a credit card designed for those who have an average credit history and are looking to earn cash rewards. There is an introductory 0% APR on purchases that lasts until November 2012. Through the rewards program, cardholders earn 2% cash back on gas and groceries, and 1% cash back on all other purchases. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. This card has an annual fee of $39 and a high interest rate for purchases and balance transfers. This card provides platinum benefits and services including roadside assistance, extended warranties for purchases, and travel accident insurance. Therefore, those who have an average credit history and want a cash back reward card will benefit most from what the Capital One® Rewards No Hassle℠ Cash Credit Card - Average has to offer.