Universal Reward Cards

[1] The Platinum Card® from American Express
More Info	- 25,000 Membership Rewards points when you spend $2,000 during your first three months of Card membership. - Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry. - Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees. - Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply. - 24/7 Platinum Card Concierge service for assistance with reservations, travel, gifts, and more - FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide - Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* N/A* $450.00* N/A* Excellent*

[2] Ritz-Carlton Rewards® Credit Card
More Info	- The world-class service you experience when staying at The Ritz-Carlton can always be within reach with The Ritz-Carlton Rewards Credit Card. - Earn 50,000 points after you use your card for the first time, redeemable for a complimentary night at most of our luxury properties - Earn 5 points per $1 spent at The Ritz-Carlton hotels, 2 points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants, and 1 point per $1 spent on all other purchases - Exclusive member benefits include a $100 Hotel Credit for qualifying dining, spa, and hotel recreational activities during every two night stay or longer
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $395.00* 21 days* Excellent*

[3] The Business Gold Rewards Card® from American Express OPEN
Terms |  More Info	- FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership. - Earn points even faster to get more rewards for your business - 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else - One million rewards from over 500 brands - Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire - 24/7 support for everything from identity theft to travel emergencies - $0 introductory annual fee for the first year, then $175 - Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year - Terms and Restrictions Apply
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* N/A* $175.00* 0 days* Good*

[4] Platinum Delta SkyMiles® Credit Card from American Express
More Info	- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two cards to your account - No mileage earning limit, and miles don't expire - Check your first bag free on every Delta flight - 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) * $150.00* N/A* Good*

[5] Citi ThankYou℠ Premier Card - enough for $300 in Gift Cards
More Info	- Earn 30,000 bonus ThankYou Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards - 1 ThankYou Point for every $1 you spend on purchases - Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card. - No foreign transaction fees on purchases* - Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives - No points cap and no expiration of points - the annual fee is waived for the first 12 months.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 13.99% - 22.99% (Variable) * $125.00* 20 Days (Min.)* Good*

[6] Business Green Rewards Card from American Express OPEN
Terms |  More Info	- Receive 5,000 bonus points on your first purchase - No pre-set spending limit* or finance charges - Earn one Membership Rewards® point for every dollar you spend - Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees - $0 introductory annual fee for the first year, then $95
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* 12 months* N/A* $95.00* 0 days* Good*

[7] British Airways Visa Signature® Card
More Info	- You will get 50,000 bonus Avios after your first purchase 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening - Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening - That's enough Avios for one roundtrip business class reward ticket - New: Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home - Pay no foreign transaction fees when you travel abroad - Earn 2.5 Avios for every $1 spent on British Airways purchases - Earn 1.25 Avios for every $1 spent on all other purchases - Every year you spend $30,000 on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $95.00* 21 Days* Excellent*

[8] Chase Continental Airlines OnePass® Plus Card
More Info	- Earn up to 40,000 bonus miles & first year free ($95 value)* - Now with priority boarding privileges on Continental and United flights - Check your first bag for free on Continental and United flights, up to a $50 value - Visit the United Club with two complimentary passes every year, a $100 value - Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else - 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) * $95.00* 21 days* Excellent*

[9] Chase Sapphire Preferred℠ Card
More Info	- Earn 40,000 bonus points after you spend $3,000 in the first 3 months – that's $500 toward travel rewards! - 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases. - Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM - No foreign transaction fees - Receive a 7% annual dividend on all new points earned – even on points already redeemed - 1:1 point transfer to participating frequent travel programs - Direct access to expert service advisors anytime - No Annual Fee for your first year – A $95 value
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $95.00* 21 days* Excellent*

[10] United Mileage Plus® Select® Visa Card
More Info	- Earn 30,000 bonus miles and $50 United discount travel certificate after you spend $250 with your new card. That's enough miles for a roundtrip Saver Award ticket to anywhere in the continental United States. - Earn 3 miles per $1 spent on eligible United and Continental purchases - Earn 2 miles per $1 spent on eligible gas, home improvement purchases, groceries dining and Star Alliance purchases. - Earn 1 mile per $1 spent on all other purchases. - Earn up to 5,000 Elite Qualifying Miles (EQM) per year for United.com purchases.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 13.24% (Variable) * $95.00* 21 Days* Good*

[11] Citi® Platinum Select® / AAdvantage® Visa Signature® Card
More Info	- 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases within the first 3 months of cardmembership* - Priority Boarding* and 25% savings on eligible in-flight purchases* - Double AAdvantage miles on eligible American Airlines purchases* - $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal* - Your first eligible checked bag is free* - 10% of your redeemed AAdvantage miles back - up to 10,000 AAdvantage miles each calendar year* - No mileage cap* and your miles may never expire*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $95.00* 20 days* Good*

[12] Marriott Rewards® Premier Credit Card from Chase
Terms |  More Info	- Earn 50,000 Bonus Points after your first use - Receive 1 free night stay upon account approval and each year upon account anniversary - Earn 5 points for every $1 spent at Marriott® locations - Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases - Earn 1 point for every $1 spent on other purchases - No foreign transaction fees - Cardmembers achieve Silver elite status with 15 nights credit toward Elite status - Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites - No annual fee for first Year Free, then $85
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $85.00* 21 days* Good*

[13] Blue Sky℠ Preferred from American Express
More Info	- 7,500 bonus points. Redeemable for a $100 statement credit - 2X points on all dining, hotel, and car rental purchases, and 1 point per dollar for all other eligible purchases - $100 annual Airline Allowance to cover baggage fees and other incidental in-flight purchases - The points you earn are good for any airline, hotel, cruise, or car rental, anytime - no blackout dates, no travel restrictions - Flexibility to pay over time
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 17.24% - 21.24% (Variable) * $75.00* 25 Days* Good*

[14] Hyatt Credit Card
Terms |  More Info	- Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card - Receive 1 Anniversary Award Night each year in category 1-4 properties - No foreign transaction fees and Smart Chip protection on international purchases - 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties - 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere - There are no limits to the points you can earn - Award nights with no resort, Internet or redemption fees
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $75.00* 21 Days* Excellent*

[15] Blue Cash Preferred℠ Card from American Express
More Info	- $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership - 0% intro APR on purchases for 12 months, flexibility to pay over time - Get 6% cash back at supermarkets, 3% 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 $75 Referral Bonus for each friend or family member who is approved for the Card - The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 17.24% - 22.24% (Variable) * $75.00* 25 Days* Good*

[16] Southwest Airlines Rapid Rewards® Plus Card – FREE FLIGHT
More Info	- NOW! Earn a FREE FLIGHT after your first purchase - Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare - Now you can redeem for International Travel, Hotels, Gift Cards and more. - Earn unlimited FREE FLIGHTS – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else - Your Bags Fly FREE! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats! - No Change fees – if you need to change your flight, you won't be charged a fee - September 11th Security Fee Applies
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $69.00* 21 Days* Excellent*

[17] Escape by Discover® Card
More Info	- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months - Double Miles on every $1 you spend - 0% intro APR on purchases and balance transfers for 6 months, then the variable 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 Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card - Ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) *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) * $60.00* 25 days* Good*

[18] Ink℠ Plus with Ultimate Rewards℠ - $100 Bonus Cash Back
More Info	- Earn up to 35,000 bonus points in your first year $100 cash back after first purchase that's 10,000 bonus points* - Complimentary airport lounge access - Premium travel benefits - No limit to the number of points you can earn – and points never expire - Points are 25% more valuable than American Express Membership Rewards points when you book travel through Ultimate Rewards* - 0% Introductory APR* - First year free ($60 value)*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 6 months* 13.24% - 19.24% (Variable) * $60.00* 20 days* Good*

[19] Capital One® Venture℠ Rewards Card
Terms |  More Info	- 2 miles per dollar on every purchase, every day - Money Magazine's "Most Rewarding Card if you crave free airline flights" – Money Magazine, May 2011 - Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel - Redeem your miles for ANY travel expense - No limit on the miles you can earn and miles won't expire - Fly free on any airline, any time with no blackout dates - No foreign transaction fees - $0 intro annual fee for the first year; $59 after that
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 13.9% - 20.90% (Variable) * $59.00* 25 days* Good*

[20] Capital One® Spark℠ Cash for Business
More Info	- Earn 2% cash back on every purchase, every day - Get a $100 cash bonus - just spend $1,000 within the first 3 months - Receive a $50 cash bonus by signing up for one or more employee cards - Enjoy award-winning small business customer service - $0 intro annual fee for the first year; $59 after that - Redeem cash rewards anytime, for any amount, even set up automatic redemption - Earn unlimited cash rewards that don't expire
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 13.90% (Variable) * $59.00* 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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