The TrueEarnings® Card from Costco and American Express is designed for Costco members who have average credit and plan to take advantage of the cash back reward program. The cash rebate amount varies according to where the cardholder makes the purchase; 1% is earned on general purchases, 2% is earned for travel-related purchases, and 3% is earned for restaurant and gasoline purchases. There is no limit to the amount of cash rebates that can be earned. In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance. The card has an average interest rate for purchases and balance transfers (for a reward card). There is no annual fee with a paid Costco membership. Cardholders can also take advantage of the 0% introductory offer on purchases for three months and the very low balance transfer offer for six months on balance transfers made within the first 30 days of membership. Therefore, those who plan to spend at least $5,000 a year on the card and plan to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the TrueEarnings® Card from Costco and American Express has to offer.

One from American Express® is designed for those with good or excellent credit who plan to take advantage of the unique Savings Accelerator Plan. Through the Savings Accelerator Plan, cardholders earn a cash rebate of 1% on all eligible purchases. The rebates are deposited into an FDIC-insured, high-yield savings account in the cardholder's name with a special rate of 2.75% APY (variable rate as of 4/15/2008). Plus, $50 will be deposited into the savings account after the cardholder makes their first purchase. Aside from the cash rebates, this card provides benefits and services commonly found with American Express® credit cards, such as auto rental insurance, a purchase protection plan, and up to $100,000 in travel accident insurance. This card has an annual fee of $35 that is waived the first year, and the APR for purchases is reasonable for a reward card. Therefore, those who plan to take advantage of the Savings Accelerator Plan rebate program and the various standard services will benefit most from what the One from American Express® has to offer.

Clear from American Express® is designed for those with good credit who are looking for a card with absolutely no fees and an uncomplicated reward program. Through the reward program, cardholders earn a cash rebate of 1% on all eligible purchases. The rebates are automatically issued in the form of an American Express® branded shopping card worth $25 each time the cardholder reaches $2,500 in spending. Shopping cards expire one year after they are issued. The truly unique feature of this card is that it has no fees. There are no annual fees, no late fees, no over the limit fees, no balance transfer fees, and no cash advance fees. However, fee-free credit does not mean cardholders can forsake their payment responsibilities. If minimum payments are not paid within the grace period for two times during any portion of a twelve-month billing period, the default APR of 21.99% + Prime Rate will be applied to all balances for a minimum of twelve billing periods. The card also provides benefits and services commonly found with American Express® credit cards, such as auto rental insurance, a purchase protection, and up to $100,000 in travel accident insurance. It also provides a free year-end credit report including the cardholder's credit score. The APR for purchases and balance transfers is reasonably low for a reward card (for those who qualify). In addition, the card offers a 0% introductory APR for up to twelve months on purchases and a low 5.99% introductory APR on balance transfers for the life of the loan if the balance transfers are submitted during the application process. Therefore, those who plan to take advantage of the reward program, the fee-free transactions, and the various services provided will benefit most from what the Clear from American Express® has to offer.

Blue Cash® from American Express is designed for those with good or excellent credit who plan to take advantage of the cash back reward program offered by this card, which Kiplinger's Personal Finance* named as the "best cash-rebate card." Cardholders get unlimited cash back savings on eligible purchases with the card. Through the rebate program, cardholders earn a cash award that varies according to the amount spent per year. General purchases earn up to a 1.5% rebate. "Everyday Purchases" made at drugstores, gas stations, and supermarkets earn up to a 5% rebate. Aside from the cash rebates, this card provides common benefits and services commonly found with American Express® credit cards, such as the buyer's assurance plan, purchase protection plan, and up to $100,000 in travel accident insurance. This card has no annual fee and a reasonably low interest rate for purchases and balance transfers (for those who qualify), which makes it ideal for those who plan to occasionally carry a balance. The card has a 0% introductory rate for the first twelve months of membership that can be applied toward purchases. A 4.99% introductory rate is available on balance transfers for the life of the loan. It is important to note that the balance transfer introductory rate only applies to those who initiate a transfer when applying for the card. Therefore, those who plan to take advantage of the cash back reward program for "Everyday Purchases" (to earn the highest rebate) and the various standard services provided will benefit most from what Blue Cash® from American Express has to offer. *Notations to the Best Cash-Rebate Card appeared in the November 2006 edition of Kiplinger's Personal Finance. Based upon Kiplinger's Personal Finance assumptions of how their readers would use rebate cards. © 2006 The Kiplinger Washington Editors, Inc.

The Capital One® No Hassle Cash(SM) Rewards - Good Credit card is for people with good credit and is ideal for those who would like a card that offers a cash back reward program. Through the reward program, cardholders earn a 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. Cash rewards can also be redeemed for gift cards. This card has no annual fee and it has an reasonable interest rate for purchases and balance transfers. In addition, this card provides platinum benefits and services including extended warranties for purchases, travel accident insurance, and roadside assistance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a cash back reward card and will take advantage of the additional services will benefit most from what the Capital One® No Hassle Cash(SM) Rewards - Good Credit card has to offer.

The Capital One® No Hassle Cash(SM) Rewards card is a credit card designed for those who have an average credit history and are looking to earn cash rewards. Through the reward program, cardholders earn a full 1% cash back on purchases, and they earn a 25% bonus on all cash earned in the previous year. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. This card has an annual fee of $29 and an average interest rate for purchases and balance transfers. There is also a 0% APR interest rate on purchases until December 2008. This card provides platinum benefits and services including roadside assistance, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who have an average credit history and want a cash back reward card will benefit most from what the Capital One® No Hassle Cash(SM) Rewards card has to offer.

The Capital One® No Hassle Cash(SM) Rewards card for people with excellent credit is ideal for those who are looking for a card that offers a cash back reward program. Through the reward program, cardholders earn a 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. The card has no annual fee and a reasonable interest rate for purchases and balance transfers. This card provides platinum benefits and services including emergency card replacement, auto rental insurance, and extended warranties for purchases. Cardholders can also enjoy exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a cash back reward card, would like an interest rate that gives them the option to carry a balance, and will take advantage of the additional services may benefit most from what the Capital One® No Hassle Cash(SM) Rewards - Excellent Credit card has to offer.

The Chase Freedom(SM) Credit Card, issued by Chase, is designed for those who have excellent credit and plan to take advantage of the cash rewards program. Through the rewards program, cardholders earn a 3% rebate on purchases made in the 3 bonus categories where they have spent the most that billing cycle. There are 15 bonus categories altogether including: grocery stores, gas stations, quick service restaurants, telecommunications, cable/satellite TV/Internet service providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation, pet supply stores and veterinary services, utilities, beauty shops, and gym/recreation memberships. Cardholders also earn a 1% rebate on all other purchases. Cardholders are eligible to receive a $50 check once $50 in rewards have been earned or a $250 check once $200 in rewards have been earned, which is a bonus of $50. Cardholders will also receive a $50 bonus rebate after their first purchase, balance transfer, or check transaction. Plus, they have the freedom to switch rewards to earn points instead of cash back. In addition to the rewards program, the card also offers many cardholder benefits provided by Chase, such as travel accident insurance, auto rental insurance, and travel and emergency assistance services. The card has no annual fee and an average APR for purchases. Therefore, those who plan to take advantage of the cash rewards program will benefit most from what the Chase Freedom(SM) Credit Card has to offer.

The Chase Free Cash Rewards(SM) Visa® Card, issued by Chase, is designed for those with very good credit who would like a card that offers a cash back rewards program. Through the rewards program, cardholders earn one point for each dollar spent on all purchases. Cardholders are also awarded 1,000 bonus points with their first purchase. Each time the cardholder accrues 2,500 points, they will receive either a $25 gift check or a $25 gift certificate from their choice of various merchants and retailers. The amount of points you can earn is limited to 60,000 points per year. In addition to the rewards program, cardholders have access to common platinum benefits provided by Chase, such as auto rental insurance, extended warranties for purchases, and travel accident insurance. For those who qualify, the card has a reasonably low interest rate for purchases and balance transfers in comparison with other reward cards. There is also a 0% introductory rate on purchases and balance transfers for up to the first twelve billing cycles and no annual fee. Therefore, those who qualify for the lowest rate offered and will take advantage of the rewards program will benefit most from what the Chase Free Cash Rewards(SM) Visa® Card has to offer.

The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases. Through the reward program, cardholders earn a 5% to 20% Cashback Bonus® at top retailers through Discover's exclusive online shopping site, and they get up to a 1% Cashback Bonus® on all other purchases. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period. Cardholders will also be eligible to earn a pay-on-time bonus. Each time cardholders make six on-time payments in a row they will receive a credit towards the payment of their next month's interest. Cardholders will be eligible to receive the pay-on-time bonus twice a year, every year monthly payments are received on time. The card has no annual fee, an attractive 3.9% introductory rate on purchases for six months, and a 3.9% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low for those who qualify. In additiom to the reward program, the Discover® Motiva(SM) Card also provides several cardholder benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating online retailers (to earn additional cash rebates), plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), and pay on time every month will benefit most from what the Discover® Motiva(SM) Card has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers.

The Discover® More (SM) Card – Monogram is perfect for a person with very good credit looking for a card that can earn cash rewards. The card also features personalized designs which displays the cardholder's intial(s) on the card's face. The reward program allows cardholders to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. In addition, cardholders can automatically earn up to a 1% Cashback Bonus® on all other purchases. As an added bonus, cardholders can earn up to a double Cashback Bonus® when their rebates are redeemed for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned and rebates do not expire as long as the account is active within a 36-month period. A unique feature with this card is that cardholders can choose from several card designs that will display their initial(s) on the front of the card. The card has no annual fee, a 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low for those who qualify. The card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers. Therefore, those who plan on spending over $3,000 a year (to earn the 1% cash rebate), plan on using their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan on paying in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Monogram has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

The Discover® More(SM) Card - Sealife Collection, issued by Discover, is designed for those with very good credit who are looking for a Cashback Bonus® reward credit card. Through the reward program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% on general purchases and .25% on purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate. For those who spend between $1,500 and $3,000, a a .5% rebate will be earned, and over $3,000 will earn a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period. The card has no annual fee, an attractive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR on purchases after the introductory rate expires is reasonably low for those who qualify. Aside from the reward program, the card also provides several platinum benefits, including travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers. Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Sealife Collection has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

The Discover® More(SM) Card - American Flag, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus® in categories such as travel, home, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account remains active within a 36-month period. Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. The Discover® More(SM) Card - American Flag card has no annual fee, an attractive 0% introductory rate on purchases for 6 months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - American Flag has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year; so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

The Discover® More(SM) Card - Wildlife Collection, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period. The card has no annual fee, an attractive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR on purchases after the introductory rate expires is reasonably low for those who qualify. Aside from the reward program, the card also provides several platinum benefits, including travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers. Therefore, those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card - Wildlife Collection has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

Discover's Discover® More(SM) Card – Clear is fitting for those with very good credit who want a cash reward credit card. Through this card's reward program, cardholders are able to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Up to 1% can also be earned on general purchases and .25% for purchases made at select warehouse clubs and discount stores. The way rebates can be earned is quite simple. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Any general purchase expense yields a 1% rebate to the cardholder.* As an added bonus, cardholders can earn up to a double Cashback Bonus® when they redeem their rebates for gift certificates from participating Discover® Card Partners. What's more is that with the Discover® More(SM) Card – Clear, there is no annual cap on the amount of rebates that can be earned. As long as the account is active during a 36-month period, rebates will not expire. What makes this card even more attractive is that there is no annual fee and a 0% introductory rate on purchases for six months. Balance transfers will be covered by a 0% introductory rate for twelve months. After the introductory rate expires, the APR for purchases with this card is reasonably low for those who qualify. Platinum style benefits that are provided with this card include travel accident insurance, auto rental insurance, and fraud protection services. Cardholders will also have access to discounts on products and services at participating merchants and retailers. With the Discover® More(SM) Card – Clear, those who plan on spending at least $3,000 per year and who plan on taking advantage of the Cashback Bonus® reward program will find this card to be the most beneficial. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

The Discover® More(SM) Card, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically. As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period. The card has no annual fee, an attractive 0% introductory rate on purchases for six months, and a 0% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low for those who qualify. Finance charges that are applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers. Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers. Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® More(SM) Card has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

The IberiaBank Visa® Gold Cash Back Rewards Card, issued by Pulaski Bank, is designed for those with good credit who would like to take advantage of the cash reward program. Through the rewards program, cardholders earn a 1% cash rebate per dollar spent on all purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account. The card has no annual fee and the interest rate for purchases is very low for a reward card (for those who qualify). Plus, the card offers a 0% introductory rate on balance transfers submitted during the first three months for the first six months of membership. In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 in travel accident insurance, lost and stolen card reporting, and various online account services. Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the cash rebate program will benefit most from what the IberiaBank Visa® Gold Cash Back Rewards Card has to offer.