Low Interest Credit Cards

[1] Centennial One Platinum Card
More Info	- $9,000 unsecured line of credit - No Credit Check - No Deposit Required - No Employment Verification - Guaranteed Approval - 0% Interest for 12 Months - Boost Your Credit
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 7.90%* N/A* 25 days* Bad Credit OK*

[2] Platinum Zero® Secured Visa® Credit Card from Applied Bank
Terms |  More Info	- ZERO - 0% FIXED APR on Purchases - No Intro Rates! - ZERO - 0% Rate Won't Change - Even If You're Late! - ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000 - ZERO Application Fees - ZERO Worries - FREE Personal ID Theft Protection - ZERO Delays - Timely CREDIT Bureau Reporting
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 0* N/A* None* Bad Credit OK*

[3] Capital One® MasterCard®
Terms |  More Info	- Get the credit you need with no processing fees or application fees - $0 Fraud Liability if your card is lost or stolen - Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own - Access your account 24/7 - Monitor your spending with free e-mail and text message alerts - Automatic reporting to the 3 major credit bureaus - Find pre-qualified card offers in 60 seconds without affecting your credit score
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* See Terms* 10.9% - 24.90% (Variable) * N/A* 25 days* See T&C*

[4] Citi ThankYou℠ Preferred Card - enough for $250 in gift cards
More Info	- $250 gift card - When you redeem the 25,000 bonus ThankYou Points received after $2000 in purchases within 3 months of account opening. - Earn 1 point for every $1 you spend on all purchases - Receive an anniversary bonus every year you're a cardmember - No expiration and no limit on the points you can earn - Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 12.99% - 22.99% (Variable) * N/A* 20 Days (Min.)* Good*

[5] Discover® More® Card
More Info	- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* - 5% Cashback Bonus in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply* - Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com - Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) - 24/7 access to a U.S.-based Account Manager within 60 seconds - $0 Fraud Liability plus mobile and email fraud alert options - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months* 10.99% - 20.99% (Variable) * $0.00* 25 days* Excellent*

[6] Discover® Open Road® Card - $150 Restaurant.com Gift Certificate
More Info	- Receive a $150 Restaurant.com Gift Certificate with first purchase - 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%* - 2% automatically at gas stations and restaurants all year long* - Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com - Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) - 24/7 access to a U.S.-based Account Manager within 60 seconds - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 10.99% - 20.99% (Variable) * $0.00* 25 days* Good*

[7] Discover® Miles Card
Terms |  More Info	- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year - 1 Mile on every $1 you spend - 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%* - No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates - Flexible redemption options like travel credits, merchandise, gift cards or cash - Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card - Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 10.99 - 16.99% (Variable) * $0.00* 25 days* Good*

[8] United MileagePlus® Explorer Visa® Card
Terms |  More Info	- Earn up to 40,000 bonus miles and first year free, a $95 value* - Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip - Board your flight before general boarding with priority boarding privileges - Visit the United Club with two complimentary day passes every year, up to a $100 value - Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else - Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase - Your miles don¿t expire and there is no limit to the number of miles you can earn
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 14.24% (Variable) * $0.00* 21 days* Excellent*

[9] First Vineyard MasterCard® Debit Card
More Info	- Receive cash back from your own & anyones else in your compensation tree spendings - Reload your card directly from your payroll or bank account - Live debt free & Powerful Online Account Management - Online Bill Payment service included
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) $10.00 $39.95* N/A View Yes Bad Credit OK* Account Information Line Account Statement by Mail Bank Wire Transfer Cancellation Fee Card Replacement Card-2-Card Transfer Cashier's Check Reload Click-n-Pay™ (Paper Check) Direct Deposit Electronic Funds Transfer (Confirmed) Electronic Funds Transfer (Trial) $0.00 $3.00 $4.95 $15.00 $15.00 $0.00 $0.00 $1.00 $0.00 $1.95 $3.95 In Person Payments (IPP) International Transaction Money Order Reload Monthly maintenance Fee Point of Sale Transaction Returned Check Telephone Support (per minute) U.S. ATM cash withdrawal U.S. ATM inquiry fee U.S. non-ATM cash advance Western Union® SwiftPay® $3.95 $50.00 $0.00 $6.95 $0.00 $25.00 $0.06 $2.00 $1.00 $4.50 $5.95

[10] IberiaBank Visa® Classic
More Info	- No annual membership fee - Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00). - Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. - Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 1.99%* 6 months* 13.25% - 7.25% (Variable) * $0.00* 25 days* Good*

[11] SimplyCash® Business Card from American Express OPEN
Terms |  More Info	- Get 5% cash back on wireless services and office supply purchases* - Get 3% cash back on automobile gasoline* - Get 1% cash back on other purchases* - No limit to the amount of cash back you can earn - Cash back on purchases is automatically credited to your statement each month - Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings® - No annual membership fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* up to 12 months* 12.24% - 19.24% (Variable) * $0.00* 25 days* Excellent*

[12] Citi® Diamond Preferred® Card
More Info	- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness. - 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more - Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R). - $0 liability on unauthorized purchases and Citi Identity Theft Solutions - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 18 months* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[13] Citi® Diamond Preferred® Rewards Card
More Info	- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening - 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. - 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** - Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 12.99% - 20.99% (Variable) * $0.00* 20 days* Good*

[14] Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
Terms |  More Info	- $200 cash back after $500 in purchases within the first 3 months of account opening - 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com. - 5% average cash back at select merchants through Citi Bonus Cash Center® - Full 1% cash back on eligible purchases and cash advances. No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.99% - 22.99% (Variable) * $0.00* 20 days* Good*

[15] Citi® mtvU Platinum Select® Visa® Card for College Student
More Info	- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals and sporting events - Earn 2 points per $1 spent at restaurants, fast food places and coffee shops - 1 point per $1 spent on everything else - 25 bonus points each billing period you keep your account in good standing by paying on time - Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings - Also, redeem for travel, merchandise, gift cards and more - No limit on the points you can earn and points don't expire - 0% intro APR—pay no interest on purchases until June 2012 - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* until June 2012* 13.99% - 21.99% (Variable) * $0.00* 20 days* Bad Credit OK*

[16] Citi® Platinum Select® MasterCard®
More Info	- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness. - Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more - Citi® Identity Theft Solutions - Secure, free online account management - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 18 month* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[17] CitiBusiness® World MasterCard®
More Info	- Designed for businesses with an established credit history - $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening - 0% intro APR on Purchases for 6 months. After that, 13.24% variable. - 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases - Earn rewards for your business expenses, including purchases made on employee cards - Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 13.24% (Variable) * $0.00* 20 days* Good*

[18] Discover® Student Card - Monogram Collection
Terms |  More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 20% Cashback Bonus at popular retailers when you shop online through Shop Discover site - Up to 1% unlimited Cashback Bonus on everything else you buy - $0 Fraud Liability plus mobile and email fraud alert options - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 9 months* 13.99% - 20.99% (Variable) * $0.00* 25 days* Fair*

[19] Discover® Motiva℠ Card
Terms |  More Info	- Earn Cashback Bonus for your good credit management - 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%* - Up to 20% Cashback Bonus at popular retailers when you shop through Discover.com - Ranked #1 in customer loyalty -- 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) - 24/7 access to a U.S. based Account Manager within 60 seconds - $0 Fraud Liability plus automatic mobile and email fraud alerts - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months* 10.99% - 20.99% (Variable) * $0.00* 25 days* Good*

[20] IberiaBank Visa® Gold Cash Back Rewards Card
More Info	- No annual membership fee - Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00). - Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. - 1% in cash back credit on all qualifying purchases - No limit on cash back; no expiration date on eligibility for accounts in good standing - Travel accident coverage up to $500,000 - Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 1.99%* 6 months* 15.25% - 9.25% (Variable) * $0.00* 25 days* Excellent*

* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

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