Universal Reward Cards

[1] American Express® Premier Rewards Gold Card
More Info	- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership - Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else - Exclusive access to Gold Card Destinations and events — Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide - Introductory annual fee of $0 for the first year, then $175 - Get approved in 60-seconds.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* N/A* $0.00* N/A* Excellent*

[2] 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*

[3] 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*

[4] 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*

[5] British Airways Visa Signature® Card
More Info	- Pay no foreign transaction fees when you travel abroad - Earn 100,000 BA miles - 50,000 bonus BA Miles after your first purchase plus earn an additional 50,000 BA Miles after you spend $2,500 in the first 3 months of account opening - That's enough miles for 2 transatlantic reward flights - Earn 2.5 BA Miles for every $1 spent on British Airways purchases - Earn 1.25 BA Miles 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* 14.24% (Variable) * $95.00* 21 Days* Excellent*

[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] Capital One® Cash Rewards for Newcomers
Terms |  More Info	- A card designed to help those new to the U.S. establish credit and earn cash back - Build credit with automatic reporting to the three major credit bureaus - Get 2% cash back on travel purchases - Earn 1% cash back on all other purchases - No foreign transaction fees - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 24.90% (Variable) * N/A* 25 days* Average*

[8] 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*

[9] Capital One® Orbitz® Visa® Platinum
Terms |  More Info	- 3 points per dollar spent on eligible Orbitz.com bookings - Get 1 point per dollar on all other purchases - Bonus points on eligible Orbitz.com bookings - No limit on the points you can earn and points don't expire - Redeem for travel, merchandise, gift cards and more - Earn travel quickly with low redemption minimums - 250 point refueling bonus when you redeem points for awards - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* on purchases until February 2013* 13.9% - 19.90% (Variable) * $0.00* 25 days* Good*

[10] Capital One® Rewards No Hassle Cash Credit Card
More Info	- 2% cash back on gas and groceries - 1% cash back on all other purchases - BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central - No limit on the cash you can earn and cash won't expire - Redeem cash rewards any time for any amount, even set up automatic redemption - 0% intro APR on purchases until November 2012 - Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* on purchases until November 2012* 17.9% - 22.90% (Variable) * $39.00* 25 days* Fair*

[11] 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*

[12] Capital One® Spark℠ Cash 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 on purchases until August 2012 - Enjoy no annual fee - Get online Quarterly and Year-End Summaries - 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 (?) 0%* until August 2012* 14.9% - 19.90% (Variable) * $0.00* 25 Days* Excellent*

[13] Capital One® Spark℠ Classic for Business
More Info	- Enjoy no annual fee - Build business credit with eligibility for an automatic credit line increase - Earn 1% cash back on every purchase, every day - Separate business expenses from personal expenses - $0 Fraud Liability if your card is ever lost or stolen - Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 22.90% (Variable) * $0.00* 25 Days* Average*

[14] Capital One® Spark℠ Miles for Business
More Info	- Earn 2 miles per dollar on every purchase, every day - Get 10,000 bonus miles - just spend $1,000 within the first 3 months - Receive 5,000 bonus miles by signing up for one or more employee cards - Enjoy exclusive, award-winning customer service - $0 intro annual fee for the first year; $59 after that - There's no limit to the amount of miles you can earn and miles don't expire - Redeem miles for travel, cash back, gift cards, merchandise, and more - 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 (?) N/A* N/A* 13.90% (Variable) * $59.00* 25 Days* Excellent*

[15] 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*

[16] Capital One® Venture℠ Rewards Card - $100 Travel Rewards
Terms |  More Info	- Money® Magazine's "Most Rewarding Card if you crave free airline flights" - 2 miles per dollar on every purchase, every day - Earn 10,000 bonus miles, 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 for first year; $59 after that
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 11.9% - 19.90% (Variable) * $59.00* 25 days* Good*

[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 Continental Airlines OnePass® Plus Card
Terms |  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*

[19] Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)
Terms |  More Info	- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months - 0% Intro APR for 12 months on balance transfers and 6 months on purchases - 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 (?) 0%* 6 months* as low as 11.99% (Variable) * $0.00* 20 days* Good*

[20] Chase Freedom® Visa - $150 Bonus Cash Back Card
More Info	- Earn $150 Bonus Cash Back after you make $500 in purchases in your first 3 months - 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations from 10/1/11 - 12/31/11 - You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter! - Unlimited 1% Cash Back on all other purchases without limits on what you can earn - 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 (?) 0%* See T&C* as low as 11.99% (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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