Universal Reward Cards

[21] 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*

[22] 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*

[23] 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 June 2013* 13.9% - 19.90% (Variable) * $0.00* 25 days* Good*

[24] 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*

[25] Discover® More® Card - $150 Cashback Bonus®
More Info	- $150 Cashback Bonus when you spend $1,000 in the first 90 days* - 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* - 5% Cashback Bonus in categories that change like gas, groceries, department stores and more. Limitations apply* - Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com - Discover is 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 - 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%* 6 months* 10.99% - 20.99% (Variable) * $0.00* 25 days* Good*

[26] Citi Forward® Card
More Info	- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months - 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable - 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases - APR reduction on purchases when using credit wisely - No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* See T&C* 12.99% - 22.99% (Variable) * $0.00* 20 days (Min.)* Good*

[27] 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*

[28] 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*

[29] Chase Freedom® Visa Card - As Low as 9.99% APR
More Info	- 0% Intro APR for 12 months on balance transfers – a variable APR as low as 9.99% -22.99% after your 0% ends - 0% Intro APR for 6 months on purchases – a variable APR as low as 9.99% -22.99% after your 0% ends - $50 Bonus Cash Back after your first purchase - 5% Cash Back on up to $1,500 spent in bonus categories each quarter. - You'll enjoy new 5% categories every 3 months like gas, groceries, dining and even home improvement. 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 - Cash back rewards never expire. - No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* See T&C* as low as 9.99% (Variable) * $0.00* 20 days* Good*

[30] Ink℠ Bold with Ultimate Rewards℠
More Info	- Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool - Earn up to 5X points per dollar on eligible business purchases, and points do not expire - No foreign transaction fees - Free Employee Cards - No interest charges because it's a pay-in-full charge card Transfer points you've earned to participating frequent travel programs at a 1:1 value - No Annual Fee in the first year – a $95 savings
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* N/A* $0.00* N/A* Good*

[31] Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)
More Info	- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months - 0% Intro APR for 15 months on purchases and balance transfers - 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12 - You'll enjoy new 5% categories every 3 months like gas stations, 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%* 15 months* 12.99% – 22.99% (Variable) * $0.00* 20 days* Good*

[32] Ink Cash℠ Business Card
More Info	- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months! - 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services - 2% cash back on the first $25,000 spent annually at gas stations and restaurants - 1% cash back on all other card purchases with no limit to the amount you can earn - Cash back rewards do not expire - 0% Introductory APR for 12 months - No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 10.24% (Variable) * $0.00* 20 days* Good*

[33] 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*

[34] 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*

[35] 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*

[36] 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*

[37] 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*

[38] Citi ThankYou® Preferred Card - $150 Gift Card
More Info	- $150 gift card - When you redeem the 15,000 bonus ThankYou Points received after $1,000 in purchases within 3 months of account opening. - 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter** - 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) * $0.00* 20 Days (Min.)* Good*

[39] Capital One® VentureOne℠ Rewards Credit Card
Terms |  More Info	- 1.25 miles per dollar on every purchase, every day - One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on 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 June 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 June 2013* 11.9% - 19.90% (Variable) * $0.00* 25 days* Good*

[40] 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*

* 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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