Editor’s Rating — — Editor’s Pick, Flexible Travel Rewards (No Annual Fee).

• 1.25 miles per dollar on every purchase, every day and no annual fee
• 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 don’t expire
• Fly on any airline, any time with no blackout dates
• 0% intro APR on purchases until June 2013
• No foreign transaction fees

Editor’s Rating — — Editor’s Pick, Best Overall Card. The Discover® More® Card offers a 0% APR on balance transfers and purchases for 15 full months and unlimited cash back rewards.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement 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–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• 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.

Editor’s Rating —

• $100 Bonus after you spend $500 in the first 3 months
• 50% bonus on the cash back you earn every year
• 1% cash back on all purchases
• No annual fee
• Earn unlimited cash back that doesn’t expire
• Redeem cash back anytime for any amount, even set automatic redemptions
• Personalize your card with an image of your choice
• 0% intro APR on purchases and balance transfers until June 2013.

Editor’s Rating — — Editor’s Pick, Cash Rewards

• This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
• 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

Editor’s Rating — — The Blue Cash Everyday^SM Card from American Express provides powerful cash rewards; the more you spend, the more cash back you can earn.

• Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
• 0% intro APR on purchases for 12 months, flexibility to pay over time
• Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
• No spend minimum, No enrollment, and No rotating rewards categories
• Get a $25 Referral Bonus for each friend or family member who is approved for the Card
• No annual fee, flexibility to pay over time

Editor’s Rating — — Editor’s Pick, If You Carry a Balance

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• Peace of mind through direct access to a service representative, no late fees and no penalty rate
• No annual fee

Editor’s Rating:

• 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 Rewards(SM)
• No foreign transaction fees
• Receive a 7% annual dividend on all new poinst 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

Editor’s Rating — — Editor’s Pick, Average/Limited Credit.

• $0 intro annual fee for the first year; $19 after that
• Image Card-personalize your card with an image of your choice
• $0 Fraud Liability if your card is lost or stolen
• Monitor your spending with free text message alerts
• 24-hour travel assistance gives you a replacement card and cash advance
• 24-hour roadside assistance
• Extended warranty program
• Travel accident insurance
• Auto rental insurance–use your card to rent a car and you’re covered for collision, damage and loss
• No foreign transaction fees

Editor’s Rating: — Editor’s Pick: Bad Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!

• An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
• 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 are available to remind you of your upcoming payment due date
• Knowledgeable customer service representatives to assist you with questions or concerns

Editor’s Rating:

• No Balance Transfer Fee!*
• 0% Intro APR for 15 months on purchases and balance transfers
• Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
• After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
• Avoid interest on everyday purchases
• Pay down your balance faster
• Zero liability on unauthorized purchases*
• No Annual Fee*