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Review Credit Cards

Updated: 3/10/2010

These are the credit cards our research team has found to be the best in their category.
To apply for more than one card, visit SpareCredit.com.

	Low Introductory Credit Cards
	Discover® More® Card - Clear 0% APR on Balance Transfers and Purchases for a full 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	6 Mo.	As low as 11.99% Variable	None	Yes

	Low Interest Credit Cards
	Citi® Platinum Select® Card 0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	up to 12 Mo.	As low as 11.99% Variable	None	Yes

	Cash Back Credit Cards
	Discover® Motiva(SM) Card Cash Rewards for your good credit management! Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	3.99	6 Mo.	As low as 11.99% Variable	None	Yes

	Balance Transfer Credit Cards
	Discover® More® Card 0% APR on Balance Transfers for a FULL 12 months 0% APR on Purchases for a FULL 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	0	6 Mo.	As low as 11.99% Variable	None	Yes

	Instant Approval Credit Cards
	American Express (R) Preferred Rewards Gold Card Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards. Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide. Express Approval. Get a decision in less than 60 seconds.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	n/a	n/a	n/a	$125	No

	Easy Approval Credit Cards
	Orchard Bank Classic MasterCards Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment On-call customer service representatives to assist you with questions or concerns

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Fair	n/a	n/a	7.90% - 24.90%	See Terms*	Yes

	Rewards Credit Cards
	TrueEarnings(R) Card from Costco and American Express Earn cash back on gas and a $25 statement credit with your first purchase made with the Card. Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	See Terms*	See Terms*	15.24%	See Terms*	Yes

	Car and Gas Credit Cards
	Discover® Open Road(SM) Card Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant. 5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM) Up to 1% unlimited Cashback Bonus on all other purchases automatically Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	6 Mo.	As low as 11.99% Variable	None	Yes

	Dedicated Credit Cards
	Starwood Preferred Guest(R) Credit Card from American Express Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners Express Approval. Get a decision in less than 60 seconds.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Good	See Terms*	See Terms*	15.24%	See Terms*	Yes

	Flyer Miles Credit Cards
	Miles by Discover® Card 12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	6 Mo.	As low as 11.99% Variable	None	Yes

	Student Credit Cards
	Citi® mtvU™ Platinum Select® Visa® Card for College Students 0% APR* on purchases for 7 months if you qualify based on your application and credit history.* Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores. Earn 1 ThankYou Point for every dollar you spend on all other purchases. Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit. Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA. Redeem points for gift cards, travel, electronics, music and more. No Annual Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Fair	0*	See Terms*	As low as 17.24% Variable	None	Yes

	Pre Paid Debit Cards
	READYdebit® Card 100% Approval Guaranteed!– No Chexsystems or credit checks, bankruptcy okay! Now with FREE Credit Builder!* Better than a checking account– Great online bill pay service with no overdraft, bounced check fees – EVER! Pay Nothing Now!– No deposits or prepayments required to get your card. FREE Direct Deposit!– stop paying to cash your paycheck. FREE phone and online access to your card account! No declined transaction fees! Great Loading Options– FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Any	*	*	*	N/A*	No

All reasonable efforts are made to collect and provide accurate information. Due to the dynamic nature of cards issuers objectives and requirements, all credit card information is presented without warranty. You may click in the "Apply Now" column to review the credit card terms and conditions on the credit cards issuer's web site and apply via their secure online application.

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Providing our visitors with vital information about credit cards, current deals and related financial reference material along with secure applications to apply for credit cards online.

Review Credit Cards

Detailed reviews of 0 APR and low interest rate credit cards and offers.

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