1. Citi® Home Rebate Platinum Select® MasterCard®

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Interest Rate:	9.99%
Intro Rate:	0% APR for 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

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

Our Opinion: Good reward choice for users who pay their balance off each month and who have a home mortgage. During the first 12 months of membership, participants in the reward program earn 6% of each dollar spent on telecommunication, utilities, Internet connection, and cable/satellite TV, and 1% for each $1 spent on all other purchases. After intro period ends, earn 1% rebate toward mortgage principal with no limit on the amount of your rebate; no expiration for rebates. The "Home Mortgage Rebate" will be applied against the outstanding mortgage principal. 3% international transaction fee. Balance transfer fee is 3% of each balance transfer, $5 minimum. Platinum benefits include up to $1,000,000 in travel accident insurance and fraud protection services. This card will benefit those who will pay in full each month after the introductory rate expires (to avoid finance charges) and will be able to take advantage of the mortgage rebates.

2. Fidelity Investments® 529 College Rewards® American Express®

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Interest Rate:	16.99%
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 also available for cash advance checks.

Our Opinion: Created for students with very good credit who want to earn cash deposits to their Fidelity 529 College Savings Plan. Earn 1.5 points per $100 spent on retail purchases. 1 point is equal to 1 Fidelity 520 Dollar. Points are automatically deposited into the Fidelity-managed 529 plan each time 50 points are accrued. Maximum is $1,500 per year.

4. Fidelity Investments Rewards Visa Signature® Card with WorldPoints®

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Interest Rate:	14.99%
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 who pay off their balance each month and want to receive cash deposits into their Fidelity Account. Earn 1 point per $1 spent on net retail purchases. Earn 5,000 points and convert them to a $75 payment deposit into an eligible Fidelity account (trust, joint, individual, corporate, Traditional IRA, Roth Ira). May also use points for cash, travel, and merchandise. Rewards begin at 2,500 points for cash rewards redemption and merchandise, 5,000 points for deposits into Fidelity accounts, and 25,000 points for air. Earn unlimited points each year; points expire within 5 years. Benefits include roadside assistance, travel accident insurance, and discounts to restaurants, events, and merchants. Reasonable interest rate and 0% APR for 12 months for balance transfers.

5. Financial Rewards® Visa® Platinum Plus® Card

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Interest Rate:	APR Varies*
Intro Rate:	0% APR for 6 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.

Our Opinion: Created for those with very good credit who want cashback rewards. Earn one point per $100 in net purchases per billing cycle. Receive 5 bonus points after first purchase. Also offers bonus points for balance transfers: receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 points). 1 point equals $1 in rebates. Earn up to 400 points per year. Points are redeemed in 25 point increments. Redeem points for cashback checks, apply to your outstanding balance, or direct deposit made to your Bank of America checking or savings account.

6. Home Advantage™ MasterCard® from Bank of America

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Interest Rate:	9.99% / 15.99%
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 excellent credit who want to earn a variety of rewards, including payments toward their mortgage principal. Earn 1 point per $1 spent on qualifying purchases. For the first 12 months, earn double points at home improvement stores such as Lowe's, The Home Depot, and Best Buy. Earn unlimited points per year. For every 5,000 points, $50 will be applied towards the mortgage principal. Points may also be redeemed for travel rewards, merchandise and cash.

7. One from American Express®

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Interest Rate:	As low as 10.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	30 Days (Avg.)
Credit Limit:	See Important Notations
Annual Fee:	$35

Our Opinion: Created for those with very good credit who will use the Savings Accelerator reward offer. Earn a 1% rebate on eligible purchases. The rebates you earn are deposited into a high-yield savings account with 5% APY (FDIC insured) in your name. No limit to awards earned. $50 will be deposited into your savings account after you make the first purchase. 2% international transaction fee. Benefits include travel accident insurance (up to $100,000), auto rental insurance and a purchase protection plan. The annual fee is $35 (no fee the first year).