Universal Reward Cards

[21] 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*

[22] 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* 21 days* Good*

[23] United MileagePlus® Explorer Visa® Card
Terms |  More Info	- Earn up to 40,000 bonus miles & first year free, a $95 value* - First checked bag is free for you and a companion when you fly United flights, up to a $50 value - 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 each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything 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* 15.24% (Variable) * $0.00* 21 days* Excellent*

[24] 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*

[25] 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*

[26] Chase Sapphire℠ Card
More Info	- Earn 10,000 bonus points after you spend $500 in the first 3 months – that's $100 toward travel or any other reward! - 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases. - Points never expire and there are no limits on how many points you can earn - Redeem points for travel, gift cards, merchandise, cash back and more - Direct access to expert service advisors anytime - No annual fee!
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $0.00* 21 days* Excellent*

[27] 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*

[28] 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*

[29] 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*

[30] 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*

[31] 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*

[32] Chase Sapphire℠ MasterCard
More Info	- 10,000 bonus points after you spend $500 in the first 3 months – that's $100 toward travel or any other reward! - 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases. - Points never expire and there are no limits on how many points you can earn - Redeem points for travel, gift cards, merchandise, cash back and more - Direct access to expert service advisors anytime - No annual fee!
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 15.24% (Variable) * $0.00* 21 days* Excellent*

[33] 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*

[34] 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*

[35] 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*

[36] Discover® Mix Tape Student Card
More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges - No Annual Fee - Text and Email Alerts *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* 12.99% - 18.99% (Variable) * $0.00* 25 days* Fair*

[37] 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*

[38] Ink℠ Reward Yourself with Something Special - 15,000 Bonus Points
More Info	This card is NOT available any more. Please see The Ink℠ Classic Business – 25,000 Bonus Points credit card instead - 15,000 bonus points after first purchase* - No limit to the number of points you can earn – and points never expire - You earn 2 points per dollar spent when you book airfare through Ultimate Rewards* - Flexibility in Rewards – you can redeem your points for anything you want – from travel and merchandise to gift cards and more. - 0% Introductory APR for 6 months* - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 6 months* 13.24% - 19.24% (Variable) * $0.00* 21 days* Good*

[39] 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*

[40] 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*

* 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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