Capital One® No Hassle CashSM Rewards Credit Card

2% cash back on gas and groceries 1% cash back on all other purchases BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central No limit on the cash you can earn and cash won't expire Redeem cash rewards any time for any amount, even set up automatic redemption 0% intro APR on purchases until November 2012 Pick an image for your card--choose the one shown here, any of the hundreds in our collection or add your own CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on purchases* until November 2012* 17.9-22.9% (V)* $39.00* Yes* Average/Limited Credit*

Capital One® Cash

$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 rewards that don't expire Redeem cash rewards anytime for any amount, even set up automatic redemption Personalize your card with an image of your choice 0% intro APR on purchases and balance transfers until February 2013. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on purchases* until February 2013* 12.9-20.9% (V)* None* Yes* Excellent - Good Credit*

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 12 months on balance transfers and 6 months on purchases 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 -3/31/12. You'll enjoy new 5% categories every 3 months like grocery stores, 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 CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months on balance transfers* 11.99%-22.99% Variable* None* Yes* Excellent Credit*

Chase Freedom® Visa $200 Bonus Cash Back

Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12. You'll enjoy new 5% categories every 3 months like grocery stores, 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 CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 15.99%-22.99% Variable* None* Yes* Excellent Credit*

Blue Cash Everyday(SM) Card from American Express®

Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership No annual fee, 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 CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 0% on Purchases for 12 months* 17.24%-22.24% Variable* None* Yes* Excellent Credit*

True Earnings® Card from Costco and American Express

American Express® Card and Costco Membership Card in one - with no annual fee for Costco members Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 0% on Purchases for 6 months* 15.24% Variable* No Annual Fee with Costco Membership* Yes* Good Credit*

Discover® More Card

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 gas, restaurants, department 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--15 years in a row! (2011 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 alerts Great rewards with no annual fee, no rewards redemption fee, and no additional card fee CLICK HERE TO APPLY ONLINE *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 15 months on Purchases & 15 months on Balance Transfers* 10.99%-20.99% Variable* None* Yes* Excellent Credit*

Discover® Open Road® Card - $150 Restaurant.com Gift Certificate

Receive a $150 Restaurant.com Gift Certificate with first purchase 0% intro APR on purchases and balance transfers or 12 months, then the variable standard purchase APR of 10.99% - 20.99%* 2% automatically at gas stations and restaurants all year long* Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S. based Account Manager within 60 seconds Great rewards with no annual fee, no rewards redemption fee, and no additional card fee CLICK HERE TO APPLY ONLINE *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months on Purchases & 12 months on Balance Transfers* 10.99% - 20.99% Variable* None* Yes* Excellent Credit*

Discover® More Card - 18 Month Promotional Balance Transfer

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S. based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee CLICK HERE TO APPLY ONLINE *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months on Balance Transfers & 6 months on Purchases* 10.99%-20.99% Variable* None* Yes* Excellent Credit*

Discover® Motiva Card

Earn Cashback Bonus for your good credit management 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%* Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty--15 years in a row! (2011 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 HERE TO APPLY ONLINE *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* a full 15 months on Purchases & a full 15 months on Balance Transfers 10.99% - 20.99% Variable* None* Yes* Excellent Credit*

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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