1. Chase PerfectCard™ MasterCard®

Apply Now See Details

Interest Rate:	10.99%
Intro Rate:	0% APR for up to 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Depending on the applicant's credit history, the introductory period will be either 6 months for purchases and balance transfers or 3 months for balance transfers only.

Our Opinion: This card has a high APR, so it is a good choice only if you pay your balance off each month. It gives rebates on gas purchased at any gas station, not just a specific brand. 6% rebate on all purchases made at any gas station for the first 90 days. After that, you will earn a 3% rebate on all gas purchases (maximum monthly rebate on net purchases that earn the 3% rebate is $15). 1% rebate on all other purchases. Rebates are automatically credited toward any future purchase made with the card. 3% balance transfer fee ($5 minimum, $99 maximum).

2. Blue Cash® from American Express

Apply Now See Details

Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days
Credit Limit:	See Important Notations
Annual Fee:	None

Special Offers: 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: Created for those with good credit who use the Cash Back reward program. Up to 5% Cash Back with unlimited cash rewards. 0-$6,500 spent receives 1% cash back for Everyday Purchases and .5% for all other purchases. Spend over $6,500 and receive 5% cash back for Everyday Purchases and 1.5% for all other purchases. Earn cash back if you use the card to pay for monthly bills with participating merchants and expenses such as cable and telephone bills, transportation and parking. There is no annual fee. Rebates are restricted to the first $50,000 in spending annually. You will have to wait to receive your rewards- your account will be automatically credited for the amount of your cash back two months following your yearly anniversary (your approval date). 2% international transaction fee. Benefits include a purchase protection plan, buyer's assurance plan, and travel accident insurance. This card is attractive for people who pay off their balance each month, don't mind waiting for their rewards and spend more than $5,000 per year.

3. Discover® Open Road(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: With a low APR, this is a good choice for those with very good credit. 5% cashback on gas and auto maintenance purchases; the 5% rebate is limited to the first $100 in combined gas and auto maintenance each month. All other purchases receive up to 1%. Earn .25% for your 1st $1,500 in charges; your second $1,500 earns .50%. Purchases over $3,000 earn 1%. Platinum card members can enroll in the Get More program and receive 5% CashBack in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. 3% balance transfer fee: $10 minimum, $75 maximum. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card benefits those who will pay off their card each month and charge up to $1,200 on gas and auto maintenance each year (to maximize the rebate).

4. Citi® Dividend Platinum Select® Card

Apply Now See Details

Interest Rate:	As low as 10.99%
Intro Rate:	0% APR for up to12 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: Created for those with very good credit who will use the cash reward program. Earn 5% cash back on purchases made at supermarkets, drug stores and gas stations for 6 months, 2% after that; 1% on all other purchases. Yearly rebate limit is $300. "Dividend Dollar" checks are sent out in increments of $50, so cardholders would need to spend $5,000 on the card before receiving their first cash rebate check. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening. Receive 5 Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Benefits include up to $1,000,000 in travel accident insurance, various travel and emergency assistance services, auto rental insurance and car rental discounts. This card will benefit those who plan to spend over $5,000 a year on the card (to earn the minimum cash rebate) and plan to pay in full each month after the introductory rate expires.

5. Capital One® No Hassle Points(SM) Rewards - Excellent Credit

Apply Now See Details

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.

6. BP Visa® Rewards Card

Apply Now See Details

Interest Rate:	13.99%
Intro Rate:	0% APR for up to 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Depending on the applicant's credit history, the introductory period will be either 6 months or 3 months.

Our Opinion: Created for those with very good credit who frequently use BP gas stations and convenience stores. For the first 2 billing cycles, earn 10% rebate on BP gas purchases; earn a 4% rebate on airline, dining, lodging, and car rental purchases; earn a 2% rebate on all other purchases. After intro offer, earn a 5% rebate on BP gas purchases; earn 2% rebate on airline, dining, lodging, and car rental purchases; and a 1% rebate on all other purchases. Rebates can be redeemed toward a BP gift card to be used for free gas, a cash back check, or to make a donation to The Conservation Fund. Benefits include auto rental insurance, travel and emergency assistance service, and travel accident insurance.

7. 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).

8. Citi® Diamond Preferred® Rewards Card

Apply Now See Details

Interest Rate:	As low as 10.49%
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 balance transfers submitted during the first twelve months.

Our Opinion: Created for those with good credit who will use the reward program. Earn 5 points per $1 spent on purchases made at drugstores, gas stations, and supermarkets during the first year; after the intro perid ends, earn 1 point per $1 spent on all other purchases. Receive 6,000 bonus points after $100 in purchases (can be redeemed for $50 gift card). Use points for a variety of services and purchases. Option to request your own reward- tell them the reward you want, if they can find it, they will tell you the points required. You may be able to periodically reduce the card's APR for purchases and cash advances. Earn a maximum of 75,000 points; points expire in 5 years. 3% international transaction fee. Benefits include travel accident insurance (up to $1,000,000), services for emergency and travel assistance, car rental discounts and auto rental insurance.

9. Hilton HHonors® Platinum Credit Card from American Express

Apply Now See Details

Interest Rate:	14.99%
Intro Rate:	2.9% APR for 6 Months
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers submitted during the application process.

Our Opinion: Created for those with very good credit who regularly stay at a Hilton Hotel. Earn a generous 3 points per $1 spent on general purchases. Earn 5 points per $1 spent at any Hilton, drugstore, grocery store, gas station or restaurant. Generous bonus points your first year: 10,000 bonus points after you make your first purchase, 15,000 additional points if you spend $5,000 in your first 5 months of cardmembership, 2,500 bonus points with each of your first 4 stays at a Hilton Hotel. Points do not expire; points are limited to $100,000 in spending per year. No annual fee, but the card does have a high interest rate. This card benefits those who pay off their balance each month and frequently stay at Hilton hotels.

10. Citi® Hilton HHonors® Visa® Signature Card

Apply Now See Details

Interest Rate:	14.99% / 16.99%
Intro Rate:	2.99% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	None

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

Our Opinion: Created for those who will pay off their balance each month and can take advantage of the reward program. Earn 6 points per $1 spent at participating Hilton hotels (Hilton, Hilton Garden Inn, Homewood Suites by Hilton, and the Waldof-Astoria Collection); earn 3 points per $1 spent at supermarkets, drugstores and gas stations; earn 2 points per $1 spent on general purchases. No annual limit for points earned; points do not expire if you stay at a Hilton Hotel at least once a year. Receive 15,000 bonus points with the first purchase made with the card if it is made within 60 days from the date that the account was opened. Use points for free hotel stays and various travel rewards. New cardholders receive complimentary Hilton HHonors Silver VIP status during the 1st year of membership. Benefits include lost luggage insurance, up to $1,000,000 in travel accident insurance, and a concierge service. This card will benefit those who frequently stay at Hilton HHonors® hotels and plan to pay in full each month.