1. 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.

2. 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.

3. IberiaBank Visa® Classic Card

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Interest Rate:	7.25% - 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.

4. IberiaBank Visa® Gold Cash Back Rewards Card

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Interest Rate:	8.25%-14.25%**
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.

5. Citi® mtvU™ Platinum Select® Visa® Card for College Students

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Interest Rate:	As low as 17.24% Variable*
Intro Rate:	0% APR for 7 months if you qualify
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate will be 0% APR on Purchases for 7 months, if you qualify, based on your application and credit history.

Our Opinion: This is a good choice if you pay off your card each month and use the reward program. Earn 1 point per $1 for general purchases and 5 points per $1 spent on purchases made on entertainment such as dining, bookstores, music stores, videos and movies. Receive 2,000 Thank You Points twice a year for maintaining good grades. Receive 25 Thank You Points every month for payments made on time and remaining under the credit limit. Redeem points for tickets to the MTV VMA's, gift certificates, CDs, airline tickets, or a VIP pass for mtvU Spring Break. Earn up to 75,000 points per year. Receive 10% purchase discounts at the online MTV store the MTV store in New York City.

6. Wired Plastic™ Prepaid Visa® Card

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.

7. New Millennium Bank Secured Platinum Visa®/MasterCard®

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Interest Rate:	19.5%*
Intro Rate:	No Introductory Rate Available
Grace Period:	None
Credit Limit:	up to $5,000**
Annual Fee:	$59

Our Opinion: Although the APR applied to purchases is above average for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. In addition, the rates of return that are applied to the deposit are higher than what most secured cards have to offer. This card also has a no credit check and a no turndown policy. There is an annual fee of $59, which is slightly above average for a secured card, as well as a one time processing fee of $69.95 ($99.95 if the applicant would like to be issued both a Visa® and a MasterCard®). It is important to note that a major drawback to the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.

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

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Interest Rate:	16.90% Variable*
Intro Rate:	0% on Purchases Until February 2011
Grace Period:	25 Days
Credit Limit:	N/A
Annual Fee:	None

Special Offers: A 0% introductory rate is available on purchases until February 2011. See terms and conditions for complete details.

Our Opinion: Created for those with above average credit, this card has one of the best and least expensive airline reward programs. Earn 1.25 miles per $1 on all purchases. Use miles for flights on any airlines. No blackout dates and no seat restrictions. Earn unlimited miles and miles do not expire. Fly free on any airline to any destination. Benefits include extended warranties for purchases, roadside assistance and travel accident insurance. No annual fee. No foreign transaction fee.

9. Citi Forward® Card

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Interest Rate:	14.24% Variable*
Intro Rate:	0% APR for 7 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Introductory rate is available on purchases and balance transfers.

Our Opinion: Rewards cardholders for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and 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 8 reductions, for a 2% total reduction. Get 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $250 in purchases within the first three months. 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.

10. Citi Forward® Card for College Students

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Interest Rate:	17.24% Variable*
Intro Rate:	0% APR for 7 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Introductory rate is available on purchases.

Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and 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 8 reductions, for a 2% total reduction. Get 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 3,500 bonus points when they make their first $250 in purchases within the first three months. 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.