1. 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

2. 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.

3. Citi ThankYou℠ Preferred Card - $100 Gift Card

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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 Purchases and Balance Transfers

Our Opinion: Created for those with very good credit. Earn 15,000 points after you spend $1,000 within your first 3 months. That?s enough for $150 in gift cards. Earn 5 ThankYou Points for every $1 spent on all purchases at gas stations, supermarkets and drugstores during the first 12 months and 1 point for every $1 spent thereafter. Earn unlimited ThankYou Points for everyday purchases. 3% fee for balance transfers.

4. 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.

5. TrueEarnings® Card from Costco and American Express

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Interest Rate:	15.24% variable*
Intro Rate:	0% on Purchases for 6 months
Grace Period:	25 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: You will enjoy 0% APR for 6 months on purchases from the date of account opening. After that, your regular APR will apply.

Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases. 3% is earned for restaurant purchases and for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.

6. 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.

7. Citi ThankYou℠ Premier Card - enough for $300 in Gift Cards

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Interest Rate:	13.99% - 21.99%* (Variable)*
Intro Rate:	No Introductory Rate Available
Grace Period:	20 - 25 Days
Credit Limit:	n/app
Annual Fee:	$125

Our Opinion: Earn 30,000 bonus ThankYou Points after $2,000 in purchases within the first 3 months, which is redeemable for $300 in gift cards or other rewards. Earn 1.2 ThankYou Points for purchases at gas stations, supermarkets, and drugstores as well as 1 ThankYou Point for every $1 spent on all other purchases. There is no limit to the amount of points that can be earned, and points never expire. Earn 200 points for signing-up for Account Online and 200 points for enrolling in Paperless Statements (only for new enrollees). At the end of each Citi Thank You membership year, you will also earn an Anniversary Bonus calculated as a percentage of ThankYou Points earned from purchases during that membership year There is a $125 annual fee; however, the annual fee is waived for the first 12 months. There is no foreign transaction fee on purchases.