1. Citi® Platinum Select® MasterCard®

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Interest Rate*:	As low as 11.99% V
Intro Rate:	0% APR for 6 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 6 months.

Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 6 months on purchases and balance transfers. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)

2. 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.

3. American DreamCard™ Platinum MasterCard®

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Interest Rate*:	14.99% or 21.99% V
Intro Rate:	N/A
Grace Period:	20 Days (Min.)
Credit Limit:	n/app
Annual Fee:	None

Our Opinion: Created for those with no/new credit or fair credit who want participate in the monthly cash sweepstakes of up to $25000. Receive 1 entry per $1 spent on purchases (up to 1,000 entries per transaction). Also receive 1 entry per $1 for balance transfers or cash advances. Receive 1,000 entries for applying for the card. The intro APR is smaller than average and there are no additional benefits with this card.

4. New Millennium Bank Secured Gold Visa® / MasterCard®

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Interest Rate*:	19.5%
Intro Rate:	No Introductory Rate Available
Grace Period:	None
Credit Limit:	up to $5,000**
Annual Fee:	$59

Our Opinion: Created for those with poor or limited credit who may have difficulty in obtaining an unsecured credit card. Benefits include extended warranty for purchases, auto rental insurance, and travel accident insurance. Cardholder is awarded a free companion airline ticket. High APR, but interest is applied to the deposit. The card has a no turn-down, no credit check policy. The annual fee is $59 and the processing fee is $69.95. Please note that that there is no grace period for purchases, interest will be applied to any charges made with the card.

5. PremierRewards® 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 PremierRewards® 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 1% back from all their purchases. All rebates are credited as a statement credit once a year. 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.

6. Vision Silver(SM) Prepaid MasterCard®

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $1,000
Annual Fee:	None

Our Opinion: The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or an unsecured credit card. Applicants will not have to go through a credit check because approval is guaranteed. With this prepaid card, cardholders fund their own credit lines, which eliminates the risk of owing creditors. As with most prepaid cards, this card has several fees associated with usage*. To start, cardholders will be charged an activation fee of $9.95. Every month thereafter, they will be charged $3.95 monthly. For the first year, cardholders can expect to pay $57.35 for these two fees combined. There is also a $25 shortage fee, which cardholders are charged whenever their accounts go into negative territory. Additional fees apply with ATM usage, PIN transactions, and cash advances. Please review the issuer's website for further details on all fees. While this card may come with many fees, it also has a number of free features available to all cardholders. These free features include unlimited signature transactions, online access to statements, e-mail and text message alerts, and automated customer service. The Vision Silver(SM) Prepaid MasterCard® is a good option for people who want to make electronic transactions but who don't want, or can't get, a traditional credit card. *See terms and conditions for complete details.

7. AccountNow® Prepaid MasterCard®

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $10,000
Annual Fee:	None

Our Opinion: The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow® Prepaid MasterCard®, to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. iAdvance is an open end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions for further details. *Subject to ID verification. Cardholders must complete a separate application for iAdvance Line of Credit. Certain fees and eligibility requirements apply.

10. Millennium Advantage Pre-Paid MasterCard®

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $2,500
Annual Fee:	None

Our Opinion: The Millennium Advantage Pre-Paid MasterCard®, issued by New Millennium Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. The card can be loaded by account-to-account transfers via the Internet, through payments sent by mail, or at load stations from authorized load partners. There is a $1 fee charged for every reload. There are other fees associated with this card as well, including an activation fee of $99.00 and a monthly participation fee of $5.95 ($71.40 annually). In the first year alone, a cardholder can expect to pay a minimum total of $170.40 in fees. It is important to note this card does not report cardholder transactions to credit bureaus, which may be considered a major drawback for those who are trying to establish credit. Therefore, those who are looking for a stored value card and do not need to build credit may find the Millennium Advantage Pre-Paid MasterCard® to be a suitable option.

11. New Millennium Bank Secured Black Diamond Visa®/MasterCard®

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Interest Rate*:	19.5%
Intro Rate:	No Introductory Rate Available
Grace Period:	None
Credit Limit:	up to $5,000**
Annual Fee:	$59

Our Opinion: Created for those with poor or limited credit who may have difficulty in obtaining an unsecured credit card. Benefits include extended warranty for purchases, auto rental insurance, and travel accident insurance. Cardholder is awarded a free companion airline ticket. High APR, but interest is applied to the deposit. The card has a no turn-down, no credit check policy. The annual fee is $59 and the processing fee is $99.95. Please note that that there is no grace period for purchases, interest will be applied to any charges made with the card.

12. BuyRIGHT Pre-Paid MasterCard®

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Interest Rate*:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $2,500
Annual Fee:	None

Our Opinion: Requires first load of $20. There is no fee to load the card with direct depost. You will pay a fee with other types of funding. Fees include: $29.95 set-up fee, choose betwee a $7.95 monthly fee or $1 per transaction fee (choose the monthly fee if you make over 8 transactions each month). They also offer a free BuyRight Membership. This gives you access to a pre-approved $5,000 line of credit that you can only use on purchases at the BuyRIGHT Marketplace; this is not connected to the BuyRIGHT prepaid card. The BuyRIGHT awards program offers 1 point per $1 on purchases. Earn unlimited points; points do not expire.