Universal Reward Cards

[21] 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*

[22] 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* 14.24% (Variable) * $85.00* 20 Days (Min.)* Good*

[23] Marriott Rewards® Credit Card from Chase
Terms |  More Info	- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel - No Annual fee for your first year that's a $45 value* - Earn 3 points for every $1 spent at Marriott® locations - Earn 1 point for every $1 spent on other purchases - Cardmembers achieve Silver elite status with 10 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 $45
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 14.24% (Variable) * $45.00* 20 Days (Min.)* Good*

[24] MTV® Visa® Card From Capital One®
Terms |  More Info	- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events - Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops - 1 point per $1 spent on everything else - 25 bonus points each billing period you keep your account in good standing by paying on time - Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings - Also, redeem for travel, merchandise, gift cards and more - No limit on the points you can earn and points don't expire - 0% intro APR—pay no interest on purchases until February 2013 - 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* Excellent*

[25] 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*

[26] 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*

[27] 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*

[28] 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*

[29] Sony Credit Card from Capital One®
More Info	- 5,000 bonus Points – enough for a $50 Sony Gift Card - 5 points per $1 on Sony purchases at authorized retailers - 3 points per $1 on dining out and movie purchases - 1 point per $1 spent on all other purchases - Redeem for Sony products, movies, music, and more - Choose from 2 unique card designs - 0% intro APR on purchases until December 2012 - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* until December 2012* 13.9% - 24.90% (Variable) * $0.00* 25 days* Good*

[30] 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*

[31] 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*

[32] PenFed Visa Platinum Gas / Cash Rewards Card
Terms |  More Info	- 13.99% APR -- lower than most rewards cards! - Earn 5.00% cash back from gas purchases paid at the pump* - Earn 1.00% cash back from all purchases** you make with the card during each billing cycle - Up to $50,000 limit - No Annual Fee - Cash Rewards credited each month - No special restrictions to earn your cash rewards - Limited Time Only – Low Balance Transfer Rates† - You must be a Pentagon Federal Credit Union member to apply.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 4.99%* 24 months* 13.99%* $0.00* 25 days* Good*

[33] LSU Tigers™ Platinum MasterCard® from Capital One®
Terms |  More Info	- 2 points per $1 on purchases at gas stations and major grocery stores - 1 point per $1 spent on all other purchases - No limit on the points you can earn and points don't expire - Redeem for travel, gift cards and merchandise - Choose from 2 unique LSU card designs or create your own image card - 0% intro APR on purchases until February 2013 - 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* Excellent*

[34] 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*

[35] Citi ThankYou℠ Preferred Card - enough for $250 in gift cards
More Info	- $250 gift card - When you redeem the 25,000 bonus ThankYou Points received after $2000 in purchases within 3 months of account opening. - Earn 1 point for every $1 you spend on all purchases - Receive an anniversary bonus every year you're a cardmember - No expiration and no limit on the 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 (?) N/A* N/A* 12.99% - 22.99% (Variable) * N/A* 20 Days (Min.)* Good*

[36] 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*

[37] True Earnings® Business Card from Costco and American Express
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% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco - Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* up to 6 months on Purchases* 15.24%* $0.00* 20 days* Good*

[38] 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*

[39] 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*

[40] 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*

* 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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