1. Starwood Preferred Guest® Credit Card from American Express

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Interest Rate*:	15.24%
Intro Rate:	2.9% APR for 6 Months
Grace Period:	20 Days
Credit Limit:	up to $100,000
Annual Fee:	$45

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

Our Opinion: Created for those with good credit who often stay at Starwood resorts and hotels. The interest rate for purchases is reasonably low for a reward card. The annual fee is $30. Earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases (Starwood has over 750 participating hotels and resorts). Redeem points for various travel related services including free hotel stays and airline travel. Members receive 10,000 points (3 free nights at some hotels) with first purchase. Receive an additional 15,000 Starpoints if you spend $15,000 in 6 months. Points do not expire as long as you make one eligible stay per year. Transfer earned points to a variety of frequent flyer programs. Benefits include auto rental insurance, travel accident insurance, and various fraud protection services with each usage. This card will benefit those who will pay in full each month after the intro rate expires, frequently stay at Starwood Hotels and Resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel related service within a two-year period.

2. Miles by Discover® 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 purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month. * 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.

3. Escape by Discover® 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:	$60

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

Our Opinion: The Escape by Discover® Card, issued by Discover, is a travel rewards card that is perfect for people who are interested in earning travel miles quickly. The rewards program offers cardholders 1,000 miles for each month a purchase is made for the first 25 months of opening an account (for a total of 25,000 Bonus Miles*). At the same time, cardholders will have the flexibility of earning unlimited Double Miles on all of their personal and business purchases. Miles never expire and can be redeemed for booking any airline, cruise, hotel stay, or car rental. You can also exchange your miles for gift cards to 90 brand-name partners or for cash starting at just 1,000 miles. In addition to the rewards program, cardholders will also enjoy enhanced travel benefits including car rental insurance, lost luggage insurance, travel delay insurance, and travel cancellation insurance. While there is a $60 annual fee requirement for this card, cardholders will enjoy a 0% APR on purchases and balance transfers for the first six months of opening an account. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Those who plan to take advantage of the introductory rate and the travel reward program will find that the Escape by Discover® Card has a great deal to offer.

4. Chase Sapphire(SM) Card

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Interest Rate*:	Prime+8.99% Variable
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days
Credit Limit:	N/A
Annual Fee:	None

Our Opinion: Created for those with good credit who want a reward card with plenty of options. 10,000 bonus points after first purchase. Earn 1 point per $1 spent; 2 points per $1 spent on airfare booked through Ultimate Rewards. Earn unlimited points. Points do not expire. Book flights on most major airlines, no black-outs or restrictions. Cash-back rewards start at 5,000 points for $50. Redeem for gift cards starting at 2,500 points. Gift card for restaurants, retailers, movie theaters, theme parks, etc. Benefits include trip cancellation insurance, travel accident insurance, travel and emergency services, auto rental collision damage waiver.

5. 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.

6. Capital One® No Hassle Miles(SM) Ultra - For Professionals

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Interest Rate*:	13.90% Variable
Intro Rate:	0% on Purchases Until November 2010
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	$39

Special Offers: A 0% introductory rate is available on purchases until November 2010. See terms and conditions for complete details.

Our Opinion: Created for professionals with excellent credit who want to earn airlines miles or gift cards rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for travel, merchandise, and gift cards. Benefits include purchase insurance and emergency roadside assistance. No foreign transaction fee. Offers concierge services.

7. Simmons First Visa Platinum Rewards

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Interest Rate*:	9.25% Variable
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Special Offers: No transaction fee for balance transfers.

Our Opinion: Created for those with excellent credit who want a choice of rewards. Receive 1 point per $1 spent with this card. Redeem points for a flight on any U.S. based airline, no black out dates, and choice of ticket class. May also redeem points for hotels, cruises, vacation packages, restaurants, and car rental. Benefits include travel insurance and car rental insurance.

8. IberiaBank Visa® Platinum Rewards Card

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Interest Rate*:	As low as 9.75%*
Intro Rate:	1.99% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.

Our Opinion: Created for those with very good credit who will use the reward program. Earn 1 point per $1 spent. Use points for travel and gift certificates for participating merchants. Low interest rate for purchases and cash advances, for those who qualify. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.

9. American Express® Preferred Rewards Gold Card

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	See Important Notations
Annual Fee:	$125

Our Opinion: The American Express® Preferred Rewards Gold Card is an ideal card for those who can afford to pay in full each month to avoid accumulating credit card debt, as often can be the case with revolving balances and high interest rates. Cardholders have access to the Membership Rewards program for no additional fee. Through the rewards program, cardholders earn one point per dollar spent on all purchases. Plus, cardholders will receive 10,000 bonus points after spending $500 in three months, which is redeemable for a $100 gift card at participating merchants and retailers. Points can be redeemed for travel rewards on over 21 airlines and for many other rewards. There is no limit to the amount of points that can be earned, and points never expire. The annual fee of $125 is waived the first year. Additional services and benefits include travel accident insurance, auto rental insurance, purchase protection services, various merchant discounts, and more. Cardholders will also have access to Gold Card Events, which gives them exclusive access to tickets for select concerts, shows, sporting events, and more. Therefore, those who can afford to pay in full each month, would like to participate in the rewards program, and plan to take advantage of the many benefits and services provided by American Express® will benefit most from what the American Express® Preferred Rewards Gold Card has to offer.

10. Platinum Delta SkyMiles® Credit Card from American Express

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Interest Rate*:	14.50%
Intro Rate:	9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	$150

Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.

Our Opinion: Created for those with very good credit, this is one of the best of the Delta SkyMiles® Cards. Earn 1 mile per $1 spent on general purchases and 2 miles per $1 spent at participating merchants and retailers (including Delta Airlines related purchases). New applicants receive 20,000 bonus miles with first purchase. 5,000 of these are Base Miles which are applied towards the Medallion Status program for mileage bonuses, upgrade opportunities and more. Miles do not expire (however, travel must be made through Delta Air Lines at least once every 2 years), earn unlimited miles. Annual fee is $150 (reduced to $95 if you already have an American Express Charge Card). The balance transfer rate is higher than average, 3.9% for the first twelve months. The APR for purchases is above average for a reward card. Benefits include travel accident insurance and auto rental insurance. This card will benefit those who spend at least $3,00 ore more a month (due to the card's high annual fee), often fly on Delta Airlines, and will use the card at participating retailers and merchants.

11. Platinum Card® from American Express

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	See Important Notations
Annual Fee:	$450

Our Opinion: The Platinum Card® from American Express is a charge card designed for those who have an excellent credit history, can pay in full each month, and want to avoid accumulating credit card debt. This platinum card is by far one of the most glamorous of all platinum cards - offering numerous benefits and services to cardholders. In addition to the services provided by the gold card, the platinum card offers a concierge service, exclusive shopping discounts, up to $500,000 in travel accident insurance, and various travel related discounts, benefits, and services for cardholders (too many to list here). Read the ‘Additional Perks’ section (see below) as some of the benefits are quite impressive and unique. Access to the Membership Rewards® program is free and offers cardholders the opportunity to redeem accumulated points for various services and benefits. For those who are not familiar with the Membership Rewards® program, it is by far one of the best and most flexible reward programs available, with no expiration or yearly limit applied towards points earned. Plus, cardholders get 25,000 bonus points when they spend $1,000 in their first three months of membership - that's the equivalent of one domestic airline ticket. Of course, all these services and benefits come with a hefty price - a $450 annual fee, which is one of the highest annual fees in the credit card industry. Due to its high annual fee, this card should be exclusively used by those who spend at least $3,500 - $4,500 or more on their credit cards each month, frequently travel, and plan to take advantage of the many exclusive benefits offered. Therefore, those who will take advantage of the many services and discounts and plan to spend several thousand dollars a month will benefit most from the Platinum Card® from American Express.

12. Delta Reserve Credit Card

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Interest Rate*:	14.50%
Intro Rate:	9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
Grace Period:	20 Days
Credit Limit:	n/a
Annual Fee:	$450

Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.

Our Opinion: Created for Delta frequent flyers with good credit who want to earn miles. Earn 1 mile per $1 spent. Earn Always Double Miles® for each eligible dollar spent buying at drug stores, grocery stores, gas stations, home improvement and hardware stores, and for certain U.S. postal services. Cardholders can pay for part or all of their flights through the Pay with Miles option. Earn 10,000 Medallion® Qualification Miles (MQMs)after using your card for your first purchase. Earn up to 30,000 MQMs with Built-in Miles Boost(SM) for spending $30,000 in one year. Spend $60,000 in a year, and earn an additional 15,000 MQMs and bonus miles. The MQMs can be used to upgrade to Medallion® status or they can be transferred to friends and family members who have Delta SkyMiles® accounts. Each year, cardholders will receive a free companion certificate for travel in first-class or coach. Benefits include car rental insurance, roadside assistance, and travel accident insurance. APR is above average for a reward card. Annual fee is high-$450 per year. This card will benefit those who pay off their balance each month and spend enough to maximize the benefits of using the card.