Universal Reward Cards

[1] 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*

[2] 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*

[3] 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*

[4] Wired Plastic™ Visa® Prepaid Card
Terms |  More Info	- Accepted everywhere VISA debit cards are accepted - No Credit Check, Income requirements or bank account required - On Demand Alerts - Manage your account via text messaging - FREE Online Access to Account - FREE Mobile Alerts – Text to your mobile and email - FREE Rewards Program – Earn 1 point for every $1 spent - NO Bounced Check, NSF or Overdraft Charges EVER! - FREE Direct Deposit – Eliminate check cashing fees
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) N/A N/A* $1.95 View No Poor* ATM Balance Inquiry ATM Decline ATM Withdrawal Activation Fee Bank Teller Cash Advance Direct Deposit Reload Express Mail International ATM Balance Inquiry International ATM Decline International ATM Withdrawal $0.95 $0.95 $1.95 $9.95 $4.95 $0.00 $15.00 $1.95 $1.95 $4.95 International Authorization Monthly Fee Online Customer Service PIN Transactions PIN Transactions Decline Paper Statements per request Purchase Online Replace Card Signature Transactions $0.45 $3.95 $0.00 $0.95 $0.45 $2.95 $0.45 $3.95 $0.00

[5] Household Bank Rewards MasterCard®
More Info	- Points redeembable for 2% Cash Back for every dollar spent with this card - 0% Introductory APR on Purchases for 9 months and a Variable 19.90% APR thereafter - 24/7 Online Account access for easy and self-management of your account - The ability to set up email and text messages notifying you of your account status - Free online bill pay
Intro APR Intro APR Period Ongoing APR Annual Fee Grace Period Credit Needed (?) 0%* 9 months* 19.90% (Variable) * See terms* 25 Days* Poor*

[6] 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*

[7] Discover® Mix Tape Student Card
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] 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*

[9] Journey℠ Student Rewards from Capital One®
Terms |  More Info	- Designed to help students build good credit with responsible use - Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit - Customizable text and e-mail alerts to help keep you on track - Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time - No annual fee - $0 Fraud Liability if your card is lost or stolen
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 19.80% (Variable) * $0.00* 25 days* Fair*

[10] 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*

[11] Vision Premier® Prepaid Visa® Card
Terms |  More Info	- No Credit Check – Complete the form and we’ll mail your card - Free Roadside Assistance - 1% Cash Back on Gas Purchases - Free Savings Account with 5.65% APY - Free Unlimited Purchases - Signature and PIN - Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster - No Debt, No Interest Charges and No Overdraft Fees
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) $10.00 $9.95* $1.95 View No Bad Credit OK* ACH transfer fee ATM balance inquiry fee (Int'l) ATM withdrawal Fee (Domestic) ATM withdrawal decline fee (Int'l) ATM withdrawal decline fee (Domestic) ATM withdrawal fee (Int'l) Bill Pay Fee (electronic and Paper Check) Bill Pay fee (Check Cancellation) BuddyMoney transfer fee Cancellation fee Card replacement fee Card-to-Card transfer fee Cash Advance fee $0.95 $1.95 $1.95 $1.95 $0.95 $4.95 $0.95 $9.95 $0.95 $14.95 $14.95 $0.95 $4.95 Direct deposit Domestic signature transaction fee Express shipping fee Inactivity fee Int'l signature transaction fee Late charge (per day) Overdraft advance Overdraft advance fee PIN transaction decline fee PIN transaction fee (Domestic and Int’l) Paper statement fee SMS/Email alerts fee Secondary card fee $0.00 $0.00 $19.95 $3.95 $0.00 $3.00 $50.00 $15.00 $0.95 $0.95 $2.95 $0.00 $9.95

[12] The New Business Gold Rewards Card® from American Express OPEN
Terms |  More Info	- 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* N/A* $175.00* 0 days* Good*

[13] 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*

[14] Citi® Gold AAdvantage® World Master Card
More Info	- Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership* -- More than enough for a round-trip domestic travel award.* - Earn 1 AAdvantage® mile for every $1 spent on purchases* - $50 annual fee waived for the first 12 months* - Reduced Mileage Awards let you travel to select destinations for fewer AAdvantage® miles round trip*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 15.24% (Variable) * $50.00* 20 days* Good*

[15] 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*

[16] 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*

[17] 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*

[18] 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*

[19] Maximum Rewards Platinum Edition® Visa® Card
More Info	- 0% Intro APR for 12 billing cycles on balance transfers - 0% Intro APR for 6 billing cycles on purchases - No annual fee - Earn 1 point for every $1 in qualifying purchases with no limit on the number of points you can earn - Use rewards for travel, merchandise, gift cards and more
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 19.99% - 11.99% (Variable) * $0.00* 20 days* Good*

[20] PenFed Premium Travel Rewards American Express® Card
Terms |  More Info	- No annual fee - 5x points on airfare purchases and 1x points on all other purchases - 20,000 bonus points upon spending $650 in the first 3 months - Complimentary concierge service - Exceptional travel offers and discounts - VIP airport lounge access with $15,000 in annual spend - You must be a Pentagon Federal Credit Union member to apply.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 13.24% (Variable) * $50.00* 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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