1. Capital One® No Hassle Cash(SM) Rewards

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Interest Rate:	19.80% Variable*
Intro Rate:	0% on Purchases until May 2011.
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	$29

Special Offers: A 0% introductory rate is available on purchases until May 2011. See terms and conditions for complete details.

Our Opinion: This card is created for those who have had past credit problems and are rebuilding their credit. This card also offers cash rewards, earn 1% cash back on purchases and 2% cash back on purchases at gas stations and major grocery stores. Earn unlimited cash back with no expiration date. $39 annual fee. Benefits include travel accident insurance, extended warranties for purchases, and roadside assistance.

2. Capital One® Classic Platinum

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Interest Rate:	19.80% Variable*
Intro Rate:	0% intro APR until May 2011; 19.8% variable APR after that
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	$39

Special Offers: A 0% introductory rate is available on purchases until May 2011. 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.

3. 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) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service 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. iAdvance is an open end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions for further details. *Subject to ID verification. Cardholders must complete a separate application for iAdvance Line of Credit. Certain fees and eligibility requirements apply.

4. Capital One® Standard Platinum

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Interest Rate:	24.90% Variable*
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	$19

Our Opinion: This card is created for those who have average credit(your credit limit on a current credit card, if any, is less than $5,000 and you have been late on a loan or medical payment in the last six months). The rate is a little high, but there are no balance transfer fees. The $19 annual fee is waived the first year. Benefits include roadside assistance, extended warranties for purchases, and travel accident insurance.

5. Orchard Bank® Visa® Cards

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Interest Rate:	Standard APR: 7.90% - 28.90%*
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 ideal 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 range from $39-$74. The interest rate is average for this type of card. Another member of Orchard Bank® Visa® Cards profile is the Orchard Bank Secured Visa®. The major benefit of this card is the reasonable $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 $35 and then $74 per year thereafter. Finally, there is the Orchard Bank Gold Visa®. The annual fee is based on a review of the applicant's credit history and will range from $35 to $74 for the first year and then from $74 to $79 per year thereafter. Also, applicants should expect to pay an account processing fee from $0 to $39. 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. *It is HSBC's goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. 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.

6. Orchard Bank® Classic MasterCards

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Interest Rate:	Standard APR: 7.90% - 28.90%*
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 ideal 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 range from $39-$74. There is no account processing fee and the interest rate is average for this type of card. Another member of Orchard Bank's Classic MasterCards profile is the Orchard Bank Secured MasterCard®. The major benefit of this card is the reasonable $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® is another offer. The annual fee is from $35 to $55 the first year and $74 per year thereafter. There is also an account processing fee from $19 to $39 per year. Finally, there is the Orchard Bank Gold MasterCard®. The annual fee is based on a review of the applicant's credit history and will range from $35 to $74 for the first year and from $59 to $79 per year thereafter. Also, applicants should expect to pay from $0 to $39 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. 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 Classic MasterCards to be a good fit. *It is HSBC's goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. 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.