1. Blue from American Express®

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Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for up to 15 Months
Grace Period:	20 Days
Credit Limit:	up to $100,000
Annual Fee:	None

Special Offers: The introductory rate for purchases varies and will be fifteen months, twelve months, or six months. A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process.

Our Opinion: One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3% ($5 min, $99 max). The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.

2. 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.

3. Bank of America World MasterCard® with WorldPoints™

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Interest Rate:	9.99% / 15.99%
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 excellent credit who will take advantage of the reward program. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, etc. Earn unlimited points each year. 25,000 points for a round-trip airline ticket. 5,000 points for $25 cash. 3% foreign transaction fee.

4. Capital One® No Hassle Points(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 Points(SM) Rewards card is a great rewards card for people with excellent credit. Through the reward program, cardholders will earn two points per dollar spent at gas stations, grocery stores, and drug stores, and they will earn one point per dollar spent everywhere else. Points are redeemable for merchandise, gift cards, cash, and travel. There is no limit on the amount of points you can earn, and points don't expire. 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 up to $100,000 in travel accident insurance. Therefore, those who want an excellent points rewards card and no annual fee will benefit most from what the Capital One® No Hassle Points(SM) Rewards - Excellent Credit card has to offer.

5. 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.

6. Bank of America Visa Signature® WorldPoints™ Reward

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Interest Rate:	9.99% / 15.99%
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 excellent credit who will take advantage of the reward program. Earn 1 point per $1 spent on general purchases. Redeem for cash rebates, gift certificates or travel rewards. Earn unlimited points each year; points expire in 5 years. 25,000 points for a round-trip airline ticket. 5,000 points for $25 cash. 3% foreign transaction fee. Low fixed rate and intro period make this a good choice for balance transfers. Balance transfer fee is 3%, $10 minimum.

7. Wyndham Rewards MasterCard(SM)

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Interest Rate:	9.99% / 15.99%
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 good credit who will participate in TripRewards. Earn 2 points per $1 spent on purchases; earn 13 points per $1 spent on qualifying hotel stays. Participating hotels include Days Inn, Knights Inn, Howard Johnson, AmeriHost Inn, Ramada, Travelodge. Earn unlimited points; points expire in 4 years. Points are redeemable for hotel stays, shopping, dining, and auto rentals. Membership in TripRewards is free. 0% APR for 12 months for balance transfers and cash advances. 3% balance transfer fee, min. $10. 3% foreign transaction fee.

8. Bank of America WorldPoints™ Platinum Plus® Visa® Card

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Interest Rate:	9.99% / 15.99%
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 good credit who will take advantage of the reward program. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, and dining certificates. Earn unlimited points each year; unused points expire within 5 years.

9. Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card

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Interest Rate:	9.99% / 15.99%
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 very good credit who want a reward program. Good intro rate and low fixed rate make this a good choice for balance transfers. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, etc. Earn unlimited points. Points expire within 5 years.

10. BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card

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Interest Rate:	9.9% / 15.99%
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 boating fans with good credit who want to participate in Worldpoints reward program. Earn 1 point per $1 spent. Redeem points for travel, cash, merchandise, and gift certificates. 5,000 points for $25 gift certificate. 25,000 points for round-trip airline ticket. 0% intro rate for 12 months for balance transfers and cash. Balance transfer fee is 3%, min. $10.