1. 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).

2. 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.

3. 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.

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. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit

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Interest Rate:	13.90%
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 card for people with excellent credit is by far one of the best and least costly airline reward cards available. Through the reward program, cardholders earn 1.25 miles per dollar spent on all 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 and an average interest rate for purchases and balance transfers. 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 who want an airline 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 - Excellent Credit card has to offer.

6. Capital One® No Hassle Cash(SM) Rewards - Excellent Credit

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Interest Rate:	14.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Special Offers: Data

Our Opinion: The Capital One® No Hassle Cash(SM) Rewards card for people with excellent credit is ideal for those who are looking for a card that offers a cash back reward program. Through the reward program, cardholders earn a 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases. 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. The card has no annual fee and a reasonable interest rate for purchases and balance transfers. This card provides platinum benefits and services including emergency card replacement, auto rental insurance, and extended warranties for purchases. Cardholders can also enjoy 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 cash back reward card, would like an interest rate that gives them the option to carry a balance, and will take advantage of the additional services may benefit most from what the Capital One® No Hassle Cash(SM) Rewards - Excellent Credit card has to offer.

8. Citi PremierPass®

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Interest Rate:	As low as 11.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers for up to twelve months.

Our Opinion: Created for those with excellent credit for those who want travel rewards. There is no annual fee and a reasonably low interest rate for purchases and balance transfers. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening; balance transfer fee is 3% ($5 minimum). Participants in the reward program earn 1 point per $1 spent on general purchases and 1 point for every 3 miles flown on any airline. Receive 10,000 bonus points after the first $300 in purchases made within 3 months. Redeem points for various items or services. Earn up to 100,000 points per year; points will expire in 3 years. Points earned are also compatible with most frequent flyer programs. 3% international transaction fee. Platinum benefits include travel accident insurance (up to $1,000,000), various emergency and travel assistance services and purchase protection.

9. 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.

10. 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.