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® Visa - $200 Bonus Cash Back

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Interest Rate:	15.99% - 22.99% Variable*
Intro Rate:	No Introductory Rate Available
Grace Period:	21 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: No Introductory Rate Available

Our Opinion: In addition to the $200, you will earn an unlimited 1% cash back on everything you buy. Earn 5% cash back on seasonal spending categories that change with each yearly quarter. You receive cash back on everything from grocery store purchases and travel to home and garden improvements.

4. Capital One® VentureOne℠ Rewards Credit Card

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Interest Rate:	11.9% - 19.9% (V)*
Intro Rate:	0% Intro on Purchases Until February 2013
Grace Period:	25 Days (Min.)
Credit Limit:
Annual Fee:	None

Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.

Our Opinion: The Capital One® VentureOne(SM) Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1.25 mile per dollar spent on all purchases. Earn unlimited miles; miles do not expire. Miles are redeemable for flights on any airline with no blackout dates. Also redeem for travel, merchandise, and gift certificates. Miles can also be donated to participating charities. No annual fee. No foreign transaction fee. Click "Apply Now" to apply online or call 877-834-4206.

5. Chase Sapphire℠

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Interest Rate:	15.24% Variable*
Intro Rate:	No Introductory Rate Available
Grace Period:	21 Days
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Created for those with good credit who want a reward card with plenty of options. 25,000 bonus points after you spend $5,000 in 3 months. Earn 1 point per $1 spent; 2 points per $1 spent on airfare booked through Ultimate Rewards. Earn unlimited points. Points do not expire. Book flights on most major airlines, no black-outs or restrictions. Cash-back rewards start at 5,000 points for $50. Redeem for gift cards starting at 2,500 points. Gift card for hotels, cruises, restaurants, retailers, movie theaters, theme parks, etc. Benefits include trip cancellation insurance, travel accident insurance, travel and emergency services, auto rental collision damage waiver.

6. Simmons First Visa Platinum Rewards

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Interest Rate:	9.25% Variable*
Intro Rate:	None
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Special Offers: No transaction fee for balance transfers.

Our Opinion: Created for those with excellent credit who want a choice of rewards. Receive 1 point per $1 spent with this card. Redeem points for a flight on any U.S. based airline, no black out dates, and choice of ticket class. May also redeem points for hotels, cruises, vacation packages, restaurants, and car rental. Benefits include travel insurance and car rental insurance.

7. 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.

9. Simmons First Visa Platinum

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

Special Offers: No transaction fee for balance transfers.

Our Opinion: You must have EXCELLENT credit to qualify or you will be rejected. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.

10. Blue Cash Everyday(SM) Card from American Express

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Interest Rate:	17.24%-22.24% Variable*
Intro Rate:	0% intro APR for 12 months.
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% intro APR on purchases for the first 12 months. After this, your regular APR will apply.

Our Opinion: Created for those with good or excellent credit who want a cash back reward card. This cash back rewards program earns you 3% cash back when you shop at supermarkets, 2% cash back on gasoline purchases, and 1% cash back on every other retail purchase that you make. Benefits include purchase protection plan and up to $100,000 in travel accident insurance. However, the high APR makes this a good card only if you pay off your balance each month. Cardholders will earn $25 for each friend and family member they refer that is approved for the Blue Cash Everyday Card from American Express.

11. Discover® Open Road Card - $150 Restaurant.com Gift Certificate

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Interest Rate:	10.99% - 20.99% (V)**
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: There is a 0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 10.99% - 20.99%. See terms and conditions for complete details.

Our Opinion: Creates for those with very good credit who want cash rewards on gas and auto maintenance expenses. Get double Cashback. Earn a full 2% Cashback Bonus automatically at any gas station and any restaurant. Up to 1% for general purchases (purchases that are part of the first $3,000 earn .25%). Free $150 Restaurant.com Gift Certificate with first purchase. Unlimited rebates. Earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. 5% to 20% Cashback Bonus at over 150 top retailers through the online shopping mall. 3% balance transfer fee. Benefits include travel accident insurance and auto rental insurance. (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited)

12. Citi Forward® Card

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 12 months on Balance Transfers*; 0% Intro APR for 7 months on Purchases*.

Our Opinion: Rewards cardholders for staying within their credit limit and paying on time. Earn $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months. Stay within your credit limit and pay on time, you will receive 100 bonus points per billing period plus a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to a 2% total reduction. Get 1,000 bonus points when you sign up for paperless statements. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month. 3% fee for balance transfers and international transactions

13. IberiaBank Visa® Classic Card

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Interest Rate:	7.25%, 10.25%, or 13.25%**
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 the first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.

Our Opinion: Low-rate Visa card created for those with average credit who sometimes carry a balance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.

14. IberiaBank Visa® Platinum 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 your account open date.

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. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.

15. Discover® More Card - 18 Month Promotional Balance Transfer

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Interest Rate:	10.99% - 20.99% (V)**
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/app
Annual Fee:	None

Special Offers: *0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 18 months, then the variable purchase APR of 11.99% - 20.99%. See terms and conditions for complete details.

Our Opinion: Cash back credit card with 24-month balance transfer offer for consumers with good credit. Earn 5% cashback on purchases in rotating categories: gas, groceries, hotels, restaurants, travel, home improvement, etc. Earn up to 1% cash back on all other purchases (.25% Cashback bonus on every purchase you make until your yearly spending total reaches $3,000 dollars. After that, you'll earn 1% Cashback Bonus). No limit on the bonus that you can accrue. Redeem for cash, gift cards or merchandise.

16. Blue Sky from American Express®

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Interest Rate:	17.24%-22.24% Variable*
Intro Rate:	0% intro APR for 12 months.
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% intro APR for 12 months. After that, your regular APR will apply.

Our Opinion: Created for those with very good credit who want a travel reward program. Earn 1 point per $1 spent; points do not expire as long as the card is active and in good standing. Use points for any flight, hotel, car rental or cruise. No blackout dates or restrictions. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. Benefits include auto rental insurance. The APR is high for a travel card so this a good option only if you pay off your balance every month.

17. Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR for 12 Months*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 12 months on Balance Transfers and Purchases*

Our Opinion: Created for those with good credit who want a cash rewards card. Earn $100 cash back bonus when you spend $500 or more within the first 3 months. 0% introductory APR for 12 monthly billing cycles for purchases and balance transfers!. 1% cash back on every purchase you make. Earn 5% cash back on categories that rotate each quarter. Earn 5 dividend dollars for every balance transfer you make over $1,500. Earn up to $300 Citi Dividend dollars per calendar year.

18. Miles by Discover® Card

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Interest Rate:	10.99% - 16.99% (V)**
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: *There is a 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want travel rewards. Earn double miles on up to $3,000 in travel and restaurant purchases. During the first year of membership, earn 1,000 bonus miles in every month you make a purchase, up to 12,000 miles. Earn 1 mile per $1 spent on general purchases. Use miles for airfare on most major airlines with no blackout dates. No limit on miles and miles don't expire. Benefits include auto rental insurance and up to $500,000 in travel accident insurance.

19. 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.

20. 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.

21. Discover® Motiva Card

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Interest Rate:	10.99% - 20.99% (V)**
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. 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. Spend up to $1,500 on general purchases and receive a .25% rebate; spend between $1,500 and $3,000 and receive a .5% rebate; spend over $3,000 will receive a 1% rebate. 5% to 20% Cashback Bonus at over 150 top retailers through the online shopping mall. 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. (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited)

22. Capital One® Orbitz® Visa® Platinum

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Interest Rate:	13.9% - 19.9% (V)*
Intro Rate:	0% Intro on Purchases Until February 2013
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.

Our Opinion: The Capital One® Orbitz® Visa® Platinum card is for people with excellent credit who want a travel reward card. Through the reward program, cardholders earn 1 point per dollar spent on general purchases and 3 points per dollar spent on all eligible Orbitz.com travel, hotel, and vacation package bookings. Points are redeemable for flights on any airline with no blackout dates, cash, merchandise, and gift certificates. Points can also be donated to participating charities. This card has no annual fee and an above average interest rate for purchases and balance transfers. This card provides signature benefits such as $0 fraud liability, travel accident insurance, 24-hour travel and emergency assistance and auto rental insurance.

23. Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration

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Interest Rate:	11.99% - 21.99% variable*
Intro Rate:	15 months for purchases and balance transfers or 6 months balance transfers only
Grace Period:	21 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: 15 months 0% APR on purchases, balance transfers for Elite and Premium pricing. For Standard pricing, 6 months 0% APR for balance transfers only.

Our Opinion: Spend $300 on qualifying transactions within the first three months of account opening and receive a $75 statement credit. These qualifying transactions can include purchases and balance transfers but excludes any cash advances. You will receive a special 0% Introductory APR on purchases, good for 15 months. You can also transfer any high outstanding balances with a 0% Intro APR offer on balance transfers, good for 15 months on new accounts with Elite or Premium pricing and 6 months on new accounts with Standard pricing.