1. TrueEarnings® Card from Costco and American Express

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Interest Rate*:	15.24%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: n/a

Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases. 3% is earned for restaurant purchases. 3% is earned for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.

2. Discover® More(SM) Card

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Interest Rate*:	As low as 11.99%
Intro Rate:	0% Intro APR
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). 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.* Redeem in $50 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).

3. Discover® More(SM) Card - Monogram

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Interest Rate*:	as low as 11.99%
Intro Rate:	0% Intro APR
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Created for those with good credit who want a cash reward credit card. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Earn 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates and if the account is active during a 36-month period, rebates do not expire. Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers. *See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

4. Discover® More(SM) Card - Clear

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Interest Rate*:	as low as 11.99%
Intro Rate:	0% Intro APR
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a cash reward credit card. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Earn 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates and if the account is active during a 36-month period, rebates do not expire. Enroll and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, movies, restaurants, travel and more). Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers. *See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

5. Discover® More(SM) Card - Wildlife Collection

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Interest Rate*:	as low as 11.99%
Intro Rate:	0% Intro APR
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a cash reward credit card. 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.* Enroll and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, movies, restaurants, travel and more). Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

6. Citi PremierPass® Elite Level

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Interest Rate*:	14.24%V
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$75

Our Opinion: The annual fee is slightly high but it has a decent rewards program. Receive 20,000 bonus points after $600 in purchases made within 3 months of account opening. Earn 2 points per $1 spent on purchases made at gas stations, drugstores and supermarkets. Earn 1 point per $1 spent on general purchases. Earn 1 point per 1 mile you fly with any airline (includes tickets bought with the card for someone else). Redeem points for various items, statement credit, or services. Earn up to 200,000 points per year; points can expire in 3 years. Points earned can be used with most frequent flyer programs. Unlimited companion travel (minimum fare requirements apply). Cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. The $75 annual fee is a bit high but this card will benefit those who pay their card off in full each month and can use the reward program and take advantage of a high annual maximum for points.