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CAPITAL ONE VENTUREONE(SM) REWARDS CREDIT CARD

1.25 miles per dollar on every purchase, every day 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 Use rewards for travel, merchandise, gift cards and more 0% intro APR on purchases until February 2011 No foreign transaction fees No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on purchases * Until 2/2011 * 13.9%(V) * $0 * Excellent

CITI® PLATINUM SELECT CARD

Offers a 0% APR* on balance transfers and purchases for up to 15 months No annual fee Citi Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management

Intro APR Intro APR Period Regular APR Annual Fee Credit Needed 0% * Up to 15 Months * As Low As 11.99% Variable* None * Good

DISCOVER® MORE® CARD - EDITOR'S CHOICE

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

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% * 12 Months * As Low As 11.99% Variable* None * Excellent

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DISCOVER® MOTIVA CARD

Offers a 3.99% Intro APR for 12 months on Balance Transfers* Editor's Note: Now that many credit card companies have stopped offering 0% rates lasting more than 6 Months, this card provides one of the longest low rate periods available for balance transfers. A person with a $5,000 balance on a card with a 15% interest rate could save $200 more during the 12 month introductory period than they could with a 0% APR for only 6 months Also offers a 3.99% Intro APR on Puchases for 6 months Pay-On-Time Bonus(SM) equal to a full month’s interest No annual fee Charges a low 3% balance transfer fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 3.99% * up to 12 Months * As low As 11.99% Variable* None * Good

GOLF MAGAZINE REWARDS VISA® CARD

Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value! Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards Points don't expire (as long as your account is open and you use your credit card every 24 months) No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on Transfers * 6 Months * 16.24%* None * Good

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How to Compare Credit Cards

When you compare credit cards, look for a credit card that offers a low long term interest rate. What’s a low interest rate? Today, the average credit card interest rate is about 14%. Look for something below that and you’re off to a good start.

The second factor to compare is the introductory rate. The best credit cards offer 0% interest on purchases and balance transfers for 1 year. The average credit card offers 0% for about 6 months. If you want the best deal, apply for a credit card that offers 0% for 1 year on purchases and balance transfers.

Lastly, there is absolutely no reason to pay an annual fee. Period. Some airline rewards cards charge fees of up to $85. Put that cash towards your next ticket and avoid the fee.