1. Capital One® Platinum Prestige

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Interest Rate:	7.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate. No balance transfer fee. Additional benefits include roadside assistance and extended warranties for purchases.

2. Discover® More(SM) Card

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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).

3. Simmons First Visa Platinum

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Interest Rate:	7.25% Fixed
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Our Opinion: Only about 1 in 3 applicants are being approved for this card. You must have EXCELLENT credit to qualify or you will be rejected. The low fixed rate on this makes this a good option for balance transfers. No fee for balance transfers. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.

4. Bank of America Accelerated Rewards™ American Express® Card

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Interest Rate:	9.99%
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 average credit who want a reward card with a low rate. Low fixed rate makes this a good choice for balance transfers (Balance transfer fee is 3% with a $10 minimum). No fee for foreign transactions. Earn 1 point per $1 spent. Redeem points for cash, travel, merchandise, hotel discounts and gift certificates. Earn unlimited points. Points expire in 5 years. Redeem 5,000 points for $25 cash. Redeem 25,000 points for airline ticket in Continental U.S.

5. 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.

6. MERRILL+® Card

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Interest Rate:	9.99%
Intro Rate:	1.9% APR for 12 Months
Grace Period:	25 Days (Min.)
Credit Limit:	up to $250,000
Annual Fee:	None

Special Offers: The introductory rate is also available for cash advance checks.

Our Opinion: Created for those with good credit who want a Merrill Lynch reward card with a low rate. Earn 1 point per $1 spent. Earn unlimited points. Points are redeemable for car rentals, hotel stays, and air travel. 25,000 points earns an airline ticket in the Continental U.S. 2% foreign transaction fee. Balance transfer fee is 3% ($10 min., $75 max.). Benefits include travel insurance, car rental insurance, extended warranties for purchases, and emergency assistance services.

7. Discover® Motiva(SM) Card

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Interest Rate:	10.99%
Intro Rate:	3.99% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 3.99% introductory APR* on purchases for 6 months and a 3.9% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who carry a balance, pay on time, and want to earn cash for their purchases. Extended low rate for balance transfers (3.9% rate on balance transfers until the last day of the billing period ending during January 2010). 3% balance transfer fee (min. $10, max. $75). Spend up to $1,500 on general purchases and receive a .25% rebate, between $1,500 and $3,000 and receive a .5% rebate, and over $3,000 will receive a 1% rebate. Earn .25% for purchases made at select discount stores and warehouses. Earn unlimited rebates; rebates do not expire if there is activity within a 36-month period. Cardholders who make 6 on-time payments in a row qualify for a pay-on-time bonus that provides a credit toward the payment of their next month's interest. The bonus is available twice a year when monthly payments are received on time. Benefits include auto rental insurance and up to $500,000 in travel accident insurance. This card will benefit those who will spend over $3,000 a year (to earn the full 1% cash rebate), plan to use the card for balance transfers, and pay on time every month.

8. Citi® Platinum Select® MasterCard®

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Interest Rate:	As low as 8.49%
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 purchases and balance transfers for up to twelve months.

Our Opinion: This card has a low rate intro for purchases and balance transfers with no annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). 3% international transaction fee. Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance.

9. Capital One® Platinum

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Interest Rate:	8.90%
Intro Rate:	0% on Purchases until December 2008
Grace Period:	25 Days
Credit Limit:	up to $3,000
Annual Fee:	$39

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® Platinum card is designed for those who have a limited credit history and plan to take advantage of the common platinum benefits. The best feature of this card is the low interest rate on purchases and balance transfers, plus it has a $39 annual fee. There is also a 0% APR on purchases until December 2008. This card provides common benefits and services including extended warranties for purchases and no liability for unauthorized purchases. 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 have a limited credit history and will take advantage of the low interest rates as well as the common platinum benefits will benefit most from what the Capital One® Platinum card has to offer.

10. IberiaBank Visa® Platinum Rewards Card

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Interest Rate:	5.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	None

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

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.