No Annual Fee Cards

[1] 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*

[2] Ink Cash℠ Business Card
Terms |  More Info	- $250 cash back bonus after you spend $5,000 within 3 months! - 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services - 2% cash back on the first $25,000 spent annually on gas and dining - 1% cash back on all other card purchases with no limit to the amount you can earn - Cash back rewards do not expire - 0% Introductory APR for 6 months* - 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*

[3] Ink℠ Bold with Ultimate Rewards℠
Terms |  More Info	- 50,000 bonus points after you spend $5,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool - No limit to the number of points you can earn – and points do not expire - 5X points per dollar on the first $50,000 spent annually on eligible business purchases - No foreign transaction fees and Free Employee Cards - No interest or over limit fees - No Annual Fee in the first year – that's a $95 savings
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* N/A* $0.00* 30 days* Good*

[4] 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*

[5] Citi Forward® Card
More Info	- $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 - 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable - 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases - Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum) - No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* See T&C* 12.99% - 22.99% (Variable) * $0.00* 20 days (Min.)* Good*

[6] Chase Freedom® MasterCard - $200 Bonus Cash Back
Terms |  More Info	- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months - 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12. - You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter! - Unlimited 1% Cash Back on all other purchases - Up to an additional 10% Cash Back when you shop online at select merchants through Chase - No annual fee and rewards never expire
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.99% - 22.99% (Variable) * $0.00* 21 days* Good*

[7] Chase Freedom® Visa - $200 Bonus Cash Back
Terms |  More Info	- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months - 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12. - You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter! - Unlimited 1% Cash Back on all other purchases - Up to an additional 10% Cash Back when you shop online at select merchants through Chase - No annual fee and rewards never expire
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*

[8] 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*

[9] Citi® Dividend Platinum Select® Card for College Students
More Info	- No Cosigner Required - Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter* - Earn 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required* - Earn a full 1% cash back on all other purchases*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 7 months* 13.99% - 21.99% (Variable) * $0.00* 20 days* Poor*

[10] AT&T Universal Business Rewards Card
Terms |  More Info	- Designed for businesses with an established credit history - 0% Intro APR on Purchases for 6 months. After that, 14.24% variable* - Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T* - Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases* - Additional cards for employees with credit limits you set No Annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 14.24% (Variable) * $0.00* 20 days* Good*

[11] Discover® More Card - $0 Balance Transfer Fee!
More Info	- Limited Time Offer - $0 Balance Transfer Fee!* - 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%* - 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 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% - 19.99% (Variable) * $0.00* 25 Days (Min.)* Good*

[12] Citi ThankYou® Card
More Info	- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness* - Earn 1 ThankYou Point for every $1 you spend on purchases. - Earn an anniversary bonus on points earned from purchases every year* - Enjoy no limit on the number of 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 (?) 0%* 15 months* 12.99% - 22.99% (Variable) * $0.00* 20 - 25 Days* Good*

[13] Chase Slate® - No Balance Transfer Fee
Terms |  More Info	- No Balance Transfer Fee!* - 0% Intro APR for 15 months on purchases and balance transfers - Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! - After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5 - Avoid interest on everyday purchases - Pay down your balance faster - Zero liability on unauthorized purchases* - No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months* 11.99 - 21.99% (Variable) * $0.00* 20 days (Min.)* Good*

[14] Citi Forward® Card for College Students
More Info	- No Cosigner required - APR reduction on purchases when using credit wisely - 100 ThankYou Points each billing period that you pay on time and stay under your credit line - Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 7 months* 13.99% - 22.99% (Variable) * $0.00* 22 days (Min.)* Fair*

[15] Citi Simplicity® Credit Card
More Info	- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. - Peace of mind through direct access to a service representative, no late fees and no penalty rate - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 18 months* 12.99% - 21.99% (Variable) * $0.00* 22 Days (Min.)* Good*

[16] 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*

[17] Capital One® VentureOne℠ Rewards Credit Card
Terms |  More Info	- 1.25 miles per dollar on every purchase, every day - Earn 10,000 bonus miles, equal to $100 in travel - Redeem miles for airline tickets, hotel rooms, car rentals and more - No limit on the miles you can earn and miles won't expire - Fly free on any airline, any time with no blackout dates - 0% intro APR on purchases until February 2013 - No foreign transaction fees - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* on purchases until February 2013* 11.9% - 19.90% (Variable) * $0.00* 25 days* Good*

[18] Chase Sapphire℠ Card
Terms |  More Info	- Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward! - 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases. - Points never expire and there are no limits on how many points you can earn - Redeem points for travel, gift cards, merchandise, cash back and more - 24/7 direct access to expert service advisors (No voice recording) - No annual fee!
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.24% (Variable) * $0.00* 20 days (Min.)* Excellent*

[19] Capital One® Spark℠ Miles Select for Business
More Info	- Get a 50% bonus on the cash back you earn every year - Earn 1% cash back on every purchase, every day - Save with 0% intro APR until August 2012 - Enjoy no annual fee - Get online Quarterly and Year-End Summaries - There's no limit to the amount of miles you can earn and miles don't expire - Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* until August 2012* 14.9% - 19.90% (Variable) * $0.00* 25 days* Excellent*

[20] 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*

* 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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