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

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Interest Rate:	13.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $30,000
Annual Fee:	$39

Our Opinion: The Capital One® No Hassle Miles(SM) Ultra-For Professionals card is the perfect card for professionals with excellent credit that want to earn airline miles rewards for all of their purchases. Through the reward program, cardholders will earn two miles for each dollar spent on all purchases. Miles won't expire, and there is no limit to the amount of miles that you can earn. Plus, miles are redeemable on any airline, anytime, with no blackout dates or seat restrictions. Miles can also be redeemed for cash, merchandise, charitable donations, and gift cards. This card has an annual fee of $39; however, it does offer an average interest rate for purchases and balance transfers. This card provides common platinum benefits such as emergency roadside assistance, purchase insurance, and concierge services. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a great airline miles rewards card will benefit most from what the Capital One® No Hassle Miles(SM) Ultra-For Professionals card has to offer.

3. Miles by Discover® Card

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Interest Rate:	10.99%
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.

4. Blue from American Express®

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Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for up to 15 Months
Grace Period:	20 Days
Credit Limit:	up to $100,000
Annual Fee:	None

Special Offers: The introductory rate for purchases varies and will be fifteen months, twelve months, or six months. 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: One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3% ($5 min, $99 max). The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.

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

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Interest Rate:	16.90%
Intro Rate:	0% on Purchases until December 2008
Grace Period:	25 Days
Credit Limit:	up to $3,000
Annual Fee:	$29

Special Offers: A 0% introductory rate is available on purchases until December 2008. See terms and conditions for complete details.

Our Opinion: The Capital One® No Hassle Points(SM) Rewards card is a great rewards card for those with an average or limited credit history. Through the reward program, cardholders will earn five points per dollar spent at gas stations, major grocery and drug stores, and they earn one point per dollar spent on all other purchases. Points are redeemable for merchandise, cash, travel, and gift cards. There is no limit to the amount of points that can be earned, and points don't expire. This card does have an annual fee of $29; however, there is a 0% introductory rate on purchases until December 2008, and the interest rate is reasonable thereafter. This card provides common platinum benefits such as emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those with a limited credit history who want a points rewards card with a 0% introductory rate on purchases will benefit most from what the Capital One® No Hassle Points(SM) Rewards card has to offer.

6. Starwood Preferred Guest® Credit Card from American Express

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Interest Rate:	14.99%
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. Future balance transfers will be 9.99% + the current Prime Rate.

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.

7. Hilton HHonors® Platinum Credit Card from American Express

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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.

8. Citi® Hilton HHonors® Visa® Signature Card

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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.

9. Capital One® No Hassle Miles(SM) Rewards For Travel & Gas

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Interest Rate:	13.9%
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 Miles(SM) Rewards For Travel & Gas card is by far one of the best and least costly airline reward cards available for cardholders who frequently travel and make gas purchases. Cardholders will earn three miles per dollar spent on travel and gas purchases and one mile per dollar on all other purchases. Miles are redeemable for flights on any airline with no blackout dates, cash, merchandise, and gift certificates. Miles can also be donated to participating charities. This card has no annual fee. This card provides benefits such as emergency cash or card replacement, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a travel & gas reward card with an interest rate that gives them the option to carry a balance may benefit most from what the Capital One® No Hassle Miles(SM) Rewards For Travel & Gas card has to offer.

10. Simmons First Visa Platinum Rewards

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Interest Rate:	8.95% Fixed
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

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. No transaction fee for balance transfers.