1. Citi® Platinum Select® MasterCard®

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Interest Rate:	11.99% - 21.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 21 Months on Balance Transfers*, and 0% Intro APR for 21 Months on Purchases*

Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit).

2. Capital One® Platinum Prestige Credit Card

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Interest Rate:	10.9% - 18.9% (V)*
Intro Rate:	0% Intro on Purchases and Balance Transfers Until May 2013
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% APR on Purchases and Balance Transfers Until May 2013.

Our Opinion: Created for those with excellent credit. No annual fee, low interest rate, and 0% APR on purchases and balance transfers. Benefits include warranties for purchases, auto rental insurance, and roadside assistance and travel accident insurance. No fee for international transactions. Good option for those who are transferring a balance from a higher rate. Click "Apply Now" to apply online or call 877-834-4206.

3. Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR

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Interest Rate:	as low as 11.99% Variable*
Intro Rate:	12 months on balance transfers, 6 months on purchases
Grace Period:	21 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: 0% APR for 12 months on Balance Transfers; 0% APR for 6 months on Purchases

Our Opinion: Created for those with excellent credit who want a cash rewards card. Standard rebates, earn 1% per $1 spent. Earn 5% cash back, on up to $1,500 spent each quarter, in rotating categories such as home improvement, gas, utilities, dining, and department stores. Earn more cash back of you shop at select merchants online through Chase. Earn unlimited rewards; cash rebates do not expire. Limited cardholder benefits. Length of intro period is determined by your application and credit history.

4. Slate® from Chase MasterCard

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Interest Rate:	11.99% - 21.99% Variable*
Intro Rate:	0% APR for up to 15 Months*
Grace Period:	21 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: *For Elite and Premium Pricing, the intro APR for purchases and balance transfers is 0% for the first 15 billing cycles. For Standard Pricing, the intro APR for balance transfers is 0% for the first 6 billing cycles.

Our Opinion: Choose from one of four ways to repay your balance - Full Pay, Split, Finish It and Track It. Full Pay allows you to avoid paying interest on everyday items, such as groceries and gas, when you pay them in full each month. The items will be automatically separated on your billing statement. Split enables you to pay off larger purchases on your own terms. You set a goal date or monthly payment, and Chase automatically separates the items on your statement. Finish It allows you to pay down your balance faster by choosing a goal date or monthly amount. Chase does the math, sets up a repayment plan, and monitors your progress on monthly statements and online. With Track It, you can see your spending trends at a glance and track your progress against your goals in real time. Those who qualify for Elite and Premium Pricing will receive a 0% APR on purchases and balance transfers for the first 15 billing cycles following the opening of the account. Those who qualify for Standard Pricing will receive a 0% APR on balance transfers for the first 6 billing cycles of the account opening. Additional benefits of Slate® from Chase MasterCard include patented fraud protection, a zero liability policy, and email and text alerts. Therefore, those who are interested in designing their own payment plan and tracking the progress will benefit most from what the Slate® from Chase MasterCard credit card has to offer.

5. Sony Card MasterCard® Credit Card

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Interest Rate:	19.99%**
Intro Rate:	Please refer to online application legal disclosures.
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Special Offers: n/a

Our Opinion: The Sony Card MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with an established Canadian credit file that is free of bankruptcies or serious delinquencies. This card has a rewards program designed especially for gadget lovers, as every purchase earns points toward purchases at SonyStyle.ca. Plus, the first qualifying transaction made with the Sony Card MasterCard® Credit Card garners cardholders a bonus of 2,000 Sony Points. Each time cardholders purchase Sony products from SonyStyle.ca or the Sony Store/Maison Sony, cardholders receive double points. Points accrue for all other purchases at one point per dollar spent. Cardholders will be able to redeem their points for Sony products including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media, and more. All purchases, balance transfers, and cash advances made with the Sony Card MasterCard® Credit Card have fixed AIRs. There is no introductory offer available. Those who do not meet the qualifications for the Sony Card MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.

6. IberiaBank Visa® Gold Cash Back Rewards Card

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Interest Rate:	9.25%, 12.25%, or 15.25%**
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 the account open date.

Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.

7. WorldPoints® MasterCard® Credit Card

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Interest Rate:	19.99%**
Intro Rate:	Please refer to online application legal disclosures.
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Special Offers: n/a

Our Opinion: The WorldPoints® MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents and provides cardholders with access to a fixed interest rate, a rewards program, and platinum cardholder services. This credit card does not have an annual fee and does not have an introductory rate. Cardholders, however, will benefit from the fixed AIRs for all transactions. This card comes with a rewards program where cardholders can earn one point for every dollar they spend on purchases. All points earned can be redeemed for merchandise, travel, gift cards and certificates. Cardholders can also take advantage of the platinum benefits that come with the card which include online account access and access to thousands of ABMs worldwide. Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.

8. Best Western MasterCard® Credit Card

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Interest Rate:	19.99%**
Intro Rate:	Please refer to online application legal disclosures.
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Special Offers: n/a

Our Opinion: The Best Western MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with a clear, but established credit history. In the rewards program that comes with this card, cardholders can earn Best Western Rewards points which can be used at Best Western locations internationally. The standard earning rate is 1.5 Best Western Rewards points for every $1 spent on purchases. Cardholders will also be awarded 20,000 bonus points after making a first purchase with the card and an additional 50 Best Western Rewards points for every cash advance transaction occurrence that is over $50. Cardholders will have access to 24-hour customer service assistance and access to their account at anytime. Purchases, balance transfers, and cash advances all have fixed AIRs and there is no introductory offer available on transactions. Those who do not meet the qualifications for the Best Western MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.

9. Capital One® Cash

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Interest Rate:	12.9% - 20.9% (V) *
Intro Rate:	0% Intro on Purchases and Balance Transfers Until February 2013.
Grace Period:	25 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: 0% intro APR on purchases and balance transfers until February 2013. See terms and conditions for complete details.

Our Opinion: Good card if you have excellent credit and want a cash back rewards card. 1% cash back on all purchases. Get a 50% cash back bonus on all you earn each year. New account-holders earn a one-time $100 bonus. There is no fee for foreign transactions.

10. Citi® Diamond Preferred® Card

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Interest Rate:	11.99% - 21.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: *The introductory rate is available on balance transfers for 21 months and on purchases for 21 months.

Our Opinion: Created for those with good credit. One of the longest intro rates available for both purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum.

11. Citi Simplicity® Card

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Interest Rate:	12.99% - 21.99% (Variable)*
Intro Rate:	0% Interest for 21 Months
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Introductory APR for 21 months on both purchases and balance transfers.

Our Opinion: 0% for 18 months on purchases and balance transfers. You will not be charged a late-payment fee for missing a due date and there is no penalty rate. 24/7 live customer service. 3% fee for foreign purchases and balance transfers.

12. Orchard Bank® Classic MasterCard®

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Interest Rate:	14.99% or 19.99%, or 7.99% for*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/a
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Orchard Bank Classic MasterCards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum MasterCard is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. There is no account processing fee and the interest rate is average for this type of card. The Orchard Bank's Classic MasterCard has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Classic MasterCard has an annual fee of $29 the first year and $59 per year thereafter. There is also an account processing fee of $39 per year. The Orchard Bank Gold MasterCard has an annual fee that is based on a review of the applicant's credit history and will be $49 the first year and $59 per year thereafter. Also, applicants should expect to pay $19 for the account processing fee. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.