1. 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.

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. 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.

4. 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.

5. Discover® More(SM) Card - Monogram

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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. Earn 5% Cashback bonus in rotating categories like home, gas, restaurants, travel, movies, etc. Earn up to 1% Cashback Bonus on all other purchases. Earn double Cashback Bonus for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Uses the "Two-Cycles Average Daily Balance" method for finance charges. This is typically more costly. Benefits include up to $500,000 in travel accident insurance, 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.

6. Discover® Open Road(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: 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).

7. Capital One® No Hassle Cash(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 Cash(SM) Rewards card is a credit card designed for those who have a limited credit history and are looking to earn cash rewards. Through the reward program, cardholders earn a full 1% cash back on purchases, and they earn a 25% bonus on all cash earned in the previous year. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. This card has an annual fee of $29 and an average interest rate for purchases and balance transfers. There is also a 0% APR interest rate on purchases until December 2008. This card provides platinum benefits and services including 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 who have a limited credit history and want a cash back reward card will benefit most from what the Capital One® No Hassle Cash(SM) Rewards card has to offer.

8. 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.

9. Bank of America® Platinum Plus® Visa® Card

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Interest Rate:	APR Varies*
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	up to $25,000
Annual Fee:	None

Special Offers: The introductory rate applies to the first twelve billing cycles. The introductory rate also applies to cash advance checks.

Our Opinion: Created for those with very good credit. Reasonable interest rate. Intro period is only 6 months for purchases, balance transfers, and cash advance checks.

10. Chase Platinum Visa® Card

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Interest Rate:	10.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Good choice for those with very good credit who want to transfer a balance. Intro period is 12 or 3 months, determined by your application and credit history. 3% balance transfer fee ($5 min., $75 max.). If you have average credit and qualify for the standard pricing, the intro period is only 3 months. In the rewards program, earn 1 point per $1 spent. Redeem points for cash back, travel, merchandise, and gift cards. Earn up to 60,000 points per year; points expire in 5 years. The card has a reasonable interest rate and no annual fee. The card does have a high APR for cash advances and a high default rate. 3% international transaction fee. Benefits include insurance for auto rental, travel accident insurance, and a year-end summary of transactions.