Capital One® Platinum Prestige

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Interest Rate:	7.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate. No balance transfer fee. Additional benefits include roadside assistance and extended warranties for purchases.

Discover® More(SM) Card

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Earn up to 1% Cashback Bonus® on general purchases. Cashback rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

Miles by Discover® Card

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

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.

Discover® More(SM) Card

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Interest Rate:	10.99%
Intro Rate:	0% Intro APR*
Grace Period:	25 Days (Min.)
Credit Limit:	up to $50,000
Annual Fee:	None

Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Earn up to 1% Cashback Bonus® on general purchases. Cashback rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

Capital One® Platinum Prestige

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Interest Rate:	7.90%
Intro Rate:	No Introductory Rate Available
Grace Period:	25 Days
Credit Limit:	up to $20,000
Annual Fee:	None

Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate. No balance transfer fee. Additional benefits include roadside assistance and extended warranties for purchases.

Citi® Platinum Select® MasterCard®

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Interest Rate:	As low as 8.49%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on purchases and balance transfers for up to twelve months.

Our Opinion: This card has a low rate intro for purchases and balance transfers with no annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). 3% international transaction fee. Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance.

Choice Privileges® Visa® Card

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Interest Rate:	APR Varies*
Intro Rate:	1.99% APR for 6 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.

Our Opinion: Good choice for travelers who frequently stay at a Choice Hotel. Otherwise, the APR and intro rate are a little high. Earn a free night at one of Choice Hotels after the first purchase. Earn 15 points per $1 at Choice Privileges locations. Earn 2 points per $1 on all other purchases. New applicants receive 8,000 bonus points (one free night at many locations) if your purchases total $150 within the first 75 days of the account opening. Earn unlimited points each year, but points will expire in the second year if they aren't used. Other rewards include airline miles with many major airline partners and gift certificates to national retailers. Depending on the hotel you choose, 6,000 points to 25,000 points earns a free night at a Choice Hotel (Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and Mainstay Suites). Benefits include auto rental insurance, travel accident insurance, and lost luggage insurance. This card will benefit those who frequently stay at any of the Choice Privileges hotels (to earn additional points) and plan to pay in full each month.

Blue from American Express®

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Interest Rate:	As low as 8.99%
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.

Chase Business Cash Rewards® Visa® Card

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Interest Rate:	10.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Transferred balances must consist of business-related expenses.

Our Opinion: Created for those with very good credit who want to put business expenses with one card and who can take advantage of the rewards offered. The rewards are based on the following tiered system: 1 point per $1 spent for new purchases up to $2,000 each billing cycle; 5 points per $1 spent for new purchases totaling between $2,000-$2,500 each billing cycle; and 1.25 points per $1 for new purchases totaling over $2,500 each billing cycle. The card promotes "up to 5% cash back," but that 5% is on a very small percentage of your purchases. Benefits include travel accident insurance, auto rental insurance, and a purchase protection plan.

Chase PerfectCard™ MasterCard®

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Interest Rate:	10.99%
Intro Rate:	0% APR for up to 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Depending on the applicant's credit history, the introductory period will be either 6 months for purchases and balance transfers or 3 months for balance transfers only.

Our Opinion: This card has a high APR, so it is a good choice only if you pay your balance off each month. It gives rebates on gas purchased at any gas station, not just a specific brand. 6% rebate on all purchases made at any gas station for the first 90 days. After that, you will earn a 3% rebate on all gas purchases (maximum monthly rebate on net purchases that earn the 3% rebate is $15). 1% rebate on all other purchases. Rebates are automatically credited toward any future purchase made with the card. 3% balance transfer fee ($5 minimum, $99 maximum).