1. Orchard Bank Classic MasterCard®

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Interest Rate:	APR Varies*
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	n/a
Annual Fee:	$49

Our Opinion: Created for those with a limited credit history or average credit. If used correctly with on-time payments, this card can help build a positive credit history. Acceptable interest rate, but still costly if you carry a balance. The annual fee is $49 and the application fee is $49 ($98 in fees the first year).

2. 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.

3. Capital One® No Hassle Points(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 Points(SM) Rewards card is a great rewards card for those with an average or limited credit history. Through the reward program, cardholders will earn five points per dollar spent at gas stations, major grocery and drug stores, and they earn one point per dollar spent on all other purchases. Points are redeemable for merchandise, cash, travel, and gift cards. There is no limit to the amount of points that can be earned, and points don't expire. This card does have an annual fee of $29; however, there is a 0% introductory rate on purchases until December 2008, and the interest rate is reasonable thereafter. 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 with a limited credit history who want a points rewards card with a 0% introductory rate on purchases will benefit most from what the Capital One® No Hassle Points(SM) Rewards card has to offer.

4. Capital One® Classic Platinum

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Interest Rate:	14.90%
Intro Rate:	0% on Purchases until December 2008
Grace Period:	25 Days
Credit Limit:	up to $3,000
Annual Fee:	$19

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® Classic Platinum card is an excellent option for those with a limited credit history. This card offers a 0% introductory rate on purchases until December 2008, and the interest rate is reasonable thereafter. Plus, the annual fee is only $19. 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 with a limited credit history who would like to take advantage of the 0% introductory offer and the reasonable interest rate thereafter will benefit most from what the Capital One® Classic Platinum card has to offer.

5. Capital One® Standard Platinum for Students

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Interest Rate:	19.80%
Intro Rate:	0% on Purchases until December 2008
Grace Period:	25 Days
Credit Limit:	up to $3,000
Annual Fee:	None

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® Standard Platinum Card for Students is for those students with an average or limited credit history who are not looking for any rewards. Although there are no rewards, this card provides platinum benefits and services including 24/7 customer support, extended warranties for purchases, and $0 fraud liability. Cardholders will also be 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. This card has no annual fee, a 0% introductory rate that can be applied to purchases until December 2008, and an above average interest rate for purchases and balance transfers once the introductory rate expires. Therefore, students with limited credit history who are not looking for any rewards and will make use of the additional services will benefit most from what the Capital One® Standard Platinum card for Students has to offer.