Universal Reward Cards

[1] Chase Flexible Rewards™ Platinum Visa®
Terms |  More Info	- 0% Introductory APR* for 12 months on all purchases and balance transfers - No Annual Fee - Earn 1 point for every dollar spent - Redeem for airline tickets, hotel stays, or car rental - Earn travel with as little as 25,000 points
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 months* 10.99%* $0.00* 20 days* $39.00* Good*

[2] Blue from American Express®
Terms |  More Info	- Membership Rewards Express program - 0% APR on purchases for up to 12 months - No Annual Fee - Balance transfer requests submitted on application receive APR of 2.99% for 12 months. Then, the standard APR for purchases will apply - Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* Up to 12 months* as low as 8.99%* $0.00* 20 days* $38.00* Excellent*

[3] Business Green Rewards Card from American Express
Terms |  More Info	- 5,000 bonus points on your first purchase - Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates - Save 3-25% on business purchases at companies like FedEx, Delta, Hertz, and more - No annual fee for the first year - a savings of $95
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) N/A* 12 months* N/A* N/A* 0 days* $35.00* Good*

[4] Rainbow Platinum Plus® Visa® Card
Terms |  More Info	- For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment - at no additional cost to you - 1 point for every net retail dollar - Redeem points for travel, merchandise, gift certificates, and cash - Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 Billing Cycles* 9.9 / 15.99%* $0.00* 20 days* $39.00* Good*

[5] Capital One® No Hassle Points Rewards - Average History
More Info	- 5 points per dollar spent at gas stations, major grocery and drug stores - 1 point for every dollar spent on other purchases - No limit on points earned and they don't expire for the life of your account - Buy what you've been dreaming of and pay no interest until February 2009
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* February 2009* 16.90% (V)* $29.00* 25 days* $39.00* Average*

[6] Vision Premier Prepaid Visa® Card
Terms |  More Info	- 100% approval with no credit check - Free unlimited purchase transactions - Free Direct Deposit and Account Alerts - Pay any bill: rent, cellular phone, insurance, utilities, etc. - Load cash at over 100,000 participating retail locations - Take Control – no late fees, no interest fees, no NSF fees
Opening Min App Fee Annual Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) $10.00 $9.95* N/A* $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

[7] American Express® Preferred Rewards Green Card
Terms |  More Info	- 5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift! - Choose rewards from over 21 airlines & transfer points to 11 frequent flyer programs* - Many other travel and shopping benefits* - No Preset Spending Limit- First year fee-free - $95 Thereafter
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) N/A* N/A* N/A* $0.00* 20 days* $35.00* Good*

[8] Elite Rewards® World MasterCard® Credit Card
More Info	- Double Points for purchases at participating merchants - 0% Intro APR for 12 months - 1 point for $1 in net retail purchases - 500 Bonus Points after your first purchase - Fly on major U.S. airlines with no blackout dates - Avis® car rental discounts and special offers
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 Billing Cycles* 9.9 / 15.99%* $0.00* 20 days* $39.00* Good*

[9] Personalized Maximum Rewards Visa® Card
More Info	- Personalized card with your favorite photo or image* - 0% APR* on purchases for 12 months - 5000 Bonus Points upon first card usage - Earn rewards with every purchase* - No annual fee - Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 months* 9.99%* $0.00* 20 days* $35.00* Excellent*

[10] Platinum Delta SkyMiles® Credit Card
More Info	- 20,000 Bonus SkyMiles After First Purchase - Double Miles on every $1 You Spend at Supermarkets, Drugstores, Gas Stations, Home Improvement/Hardware Stores, and the U.S. Postal Service - Double Miles When You Use Your Card to Pay Your Wireless Phone Bill and for Delta Purchases - 1 Mile for every $1 on Other Eligible Purchases - 2,500 Bonus Miles for Adding an Additional Cardmember
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 3.9%* 12 months* 14.99%* $135.00* 20 days* $38.00* Good*

[11] Brighter Planet™ Visa® Credit Card
More Info	- Automatic point redemption to support renewable energy projects - 1 EarthSmart Point for every $1 net retail - 1,000 EarthSmart bonus points with first transaction - 1,000 bonus points for signing up for paperless statements - For every two base points earned through December 2008, Bank of America will make a matching contribution of one additional point
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 Billing Cycles* 9.99 / 15.99%* $0.00* 20 Days* $39.00* Good*

[12] Capital One® Business Platinum with Preferred No Hassle Miles℠
Terms |  More Info	- Earn triple rewards for purchases in your category of choice and one mile per dollar on all other purchases - 0% APR on purchases until December 2009 - 0% APR on transferred balances until December 2009 - No Annual Fee - See Capital One important disclosures for more information
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* December 2009* as low as 15.67% (V)* $0.00* 25 days* $39.00* Above Average*

[13] Chase Freedom℠ Credit Card
Terms |  More Info	- Receive $50 after you make your first purchase - 3% Cash Back in your top 3 everyday spending categories - 1% cash back for every $1 you spend on all other purchases - Receive an extra $50 each time you save and redeem $200 in rewards - 15 Categories earn triple rewards at the types of places you spend the most.
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) N/A* N/A* 14.99%* $0.00* 20 days* $39.00* Excellent*

[14] Advanta Business World MasterCard®
More Info	- An Exceptionally Rewarding Business Card - 50% Bonus Points Every Year, When You Make All Payments On Time - Earn Points Faster - With No Earnings Cap and No Air Travel Seat Restrictions - Thousands of Merchandise, Gift Card, and Travel Options - No Pre-Set Spending Limit* - No Annual Fee
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) N/A* N/A* 19.99%* $0.00* N/A* $39.00* Excellent*

[15] Fidelity Investments Rewards Visa® Card with WorldPoints®
More Info	- 1 Point for every dollar spent in net retail purchases - Points can be redeemed as a deposit into your eligible Fidelity Account; or redeem your Points for travel, merchandise and more - 0% Intro APR for 12 months - No Annual Fee
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 20 days* 14.74%* $0.00* 20 days* $39.00* Good*

[16] BOA Accelerated Rewards™ American Express® Card
Terms |  More Info	- Earn 1.25 Points for Every Net Retail Purchase Dollar - 0% Intro Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for 12 months - No Annual Fee and the Flexibility to Pay Over Time - Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 12 Billing Cycles* Between 9.99 and 19.99%* $0.00* 20 days* $39.00* Good*

[17] Virgin Atlantic American Express® Card - Black
Terms |  More Info	- 0% Intro APR for the first 6 billing cycles - 20,000 Flying Club bonus miles - 3 miles per $1 spent on Virgin Atlantic purchases - 1.5 miles per $1 spent in retail purchases - Up to 2 tier points per month for accelerated Flying Club status - Earn up to 15,000 additional bonus miles upon anniversary
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 6 Billing Cycles* 13.99%* $90.00* 20 days* $39.00* Good*

[18] Business Edition Plus® Visa® Card
More Info	- 0% APR* on purchases for 6 months - 3 points with every $1 you spend on gas, restaurants, office supply and home improvement stores - 1 point on all other purchases** - No annual fee - Get easy-to-read management reports, itemizing your employees' business expenditures, and records of tax-deductible expenses
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 6 months* 13.99%* $0.00* 20 days* $39.00* Good*

[19] Visa Signature® Card with Maximum Rewards®
More Info	- 2 points for every $1 you spend on hotels and air travel* - 5,000 Bonus Points the first time you use the card - 1 point on all other purchases* - No pre-set spending limit - Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) N/A* N/A* 12.99%* $0.00* 20 days* $35.00* Good*

[20] Virgin Atlantic American Express® Card - White
Terms |  More Info	- 0% APR for Purchases, Balance Transfers*, Check Cash Advances, and Direct Deposits for 6 months - 3 miles per $1 spent on Virgin Atlantic purchases - 1 mile per $1 spent in retail purchases - Up to 7,500 additional bonus miles upon anniversary - 2,500 bonus miles for an additional Cardmember - Get 10% off published Virgin Atlantic Economy fares
Intro APR Intro APR Period APR Annual Fee Grace Period Late Fee Credit Needed (?) 0%* 6 Billing Cycles* 13.99%* $49.00* 20 days* $39.00* 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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