No Annual Fee Cards

[1] Gold Delta SkyMiles® Credit Card from American Express
Terms |  More Info	- Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening - $0 intro annual fee for the first year, then $95 - Check your first bag FREE – for up to 9 people on your reservation – on every Delta flight - Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent - Priority Boarding and 20% In-Flight Savings
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.24% - 19.24% (Variable) * $0.00* 20 days* Good*

[2] Discover® Student Card
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*

[3] 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*

[4] 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*

[5] 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*

[6] Blue Cash® Everyday(SM) from American Express
More Info	- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership - No annual fee, flexibility to pay over time - Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases - NO spend minimum, NO enrollment, and NO rotating rewards categories - Get a $25 Referral Bonus for each friend or family member who is approved for the Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months on Purchases* 17.24% - 22.24% (Variable) * $0.00* N/A* Excellent*

[7] Discover® Student Card - Tropical Beach
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*

[8] Discover® Student Card - Clear
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*

[9] 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*

[10] Blue Sky from American Express®
Terms |  More Info	- No annual fee - Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel — anytime - Pay your bill all at once, or over time. It's up to you. - Blue Savings Program: big deals on big brands, all the time - Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010 Get approved in 60-seconds
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* from 17.24 to 22.24% (Variable) * $0.00* N/A* Excellent*

[11] Starwood Preferred Guest® Credit Card from American Express
More Info	- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel - Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates - 2011 SmarterTravel® Award for "Best Travel Rewards Card" - $0 introductory annual fee for the first year, then $65
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.24% - 19.24% (Variable) * $0.00* N/A* Good*

[12] TrueEarnings® Card from Costco and American Express
Terms |  More Info	- American Express Card and Costco Membership Card in one — with no annual fee for Costco members - Cash back on the things you buy: 3% on restaurants and gasoline up to $3,000 annually, 2% for travel, and 1% almost everywhere else - Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings Cardmembers from Costco and American Express Get approved in 60-seconds.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months on Purchases* 15.24% (Variable) * $0.00* N/A* Good*

[13] 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

[14] AccountNow™ Prepaid MasterCard®
More Info	- 100% Guaranteed Approval* - No Credit Check - $0 Activation Fee - Free Direct Deposit and $25 cash back - Cash Back on Everyday Purchases
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) $10.00 $19.95* $2.00 View Yes Bad Credit OK* ATM Balance Inquiry ATM Withdrawal Bank Account to Card Reload Cancel Card Direct Deposit Reload Live Teller Withdrawal Monthly Maintenance Fee (Hologram) $1.00 $2.00 $0.00 $15.95 $0.00 $4.95 $4.95 Paper Statements per request Point of Sale Withdrawal Purchase Online Purchase at Merchant Replace Card Telephone Purchase $5.00 $0.00 $0.50 $1.00 $10.00 $0.50

[15] BuyRIGHT Prepaid MasterCard®
Terms |  More Info	- Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More! - Special Reload Offer! Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.** - FREE Direct Deposit, Online bill pay, Earn rewards. - No credit check, 100% approved!* - No bounced check fees or overdraft fees, EVER! - Travel, Rent Cars, Reserve Hotels, Shop online safely! - Unbelievable Customer Service!
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) $10.00 $9.95* $2.00 View No Bad Credit OK* ATM Balance Inquiry ATM Withdrawal Automated Telephone Service Bank Account to Card Reload Cancel Card Customer Service Live Call Inactive Account Live Teller Withdrawal $1.00 $2.00 $0.50 $2.50 $15.00 $1.00 $4.95 $4.50 Monthly Maintenance Fee (ATM) Monthly Maintenance Fee (hologram) Paper Statements per request Point Of Sale Withdrawal Purchase Online Purchase at Merchant Replace Card Telephone Purchase $7.95 $7.95 $3.00 $1.00 $1.00 $1.00 $15.00 $1.00

[16] Ultra VX Visa Credit Card
More Info	- UltraVX makes it easy to manage your finances - Automatic minimum payments - Reports to all 3 major credit bureaus - No credit check, no bank account required - Instant online approval - Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 18.90%* $0.00* 25 days* Bad Credit OK*

[17] 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*

[18] 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*

[19] 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*

[20] 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*

* 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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