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Low APR and Intro Offers      Air Miles Frequent Flyer
The GM Card
0% Fixed introductory APR for first 6 billing cycles
• then, 9.99%, 11.99%, or 13.99%
• No Annual Fee
• Balance Transfer Fee: 0 for 60 days, after 3% ($15 minimum)
• Grace period up to 25 days
• 5% every purchase (no cap) toward buy/lease of new GM vehicle
• 5% on 1st 2 Balance Transfers posted within 60 days
• GM Card Convenience Checks, simple as personal checks
• Additional cards at no extra cost
Delta Skymiles
14.99% APR, 9.99% for the life of balance transfer
• Transfer Balances Fee-Free
• 10000 Bonus SkyMiles with first purchase
• At least 1 Mile for every eligible $ & Always Double Miles
• Fee-free Travelers Cheques
• Buyer's Assurance & Purchase Protection Plan
• Online Fraud Protection Guarantee
• Car Rental Loss, Damage & Travel Accident Insurance
• Annual fee free1st year, then $30
Citi® Platinum Select® MasterCard Citi® Platinum Select® MasterCard®
0% APR* on balance transfers and purchases for 12 months

• then a 8.99% APR
• No Annual Fee
• Citi Identity Theft Solutions
• $0 liability on unauthorized purchases
Chase Continental World & Platinum
7.9% APR Fixed for 6 months

• Thereafter: 14.15%
• Annual fee $85 or platinum $65
• Double miles for tickets
• A free domestic companion ticket
• No preset spending limits
• Grace Period Not less than 22 days
• Bonus : Signature 10000 or platinum 6000

world


platinum
Citi® Diamond Preferred® Rewards Card Citi® Diamond Preferred® Rewards Card
0% APR* on balance transfers for 9 months, 8.99% thereafter
• Purchase APR as low as 11.74%
• No annual fee & FREE rewards program
• Grace period Not less than 20 days
• $50 gift card – Redeem 5000 bonus points after first purchase**
• 5 reward points for every $1 at supermarkets, drugstores and gas
• 1 point for every $1 on all other purchases***
• Citi Identity Theft Solutions
• Price Protection Program****
• $0 Liability on unauthorized purchases
Discover® Miles Card
0% Intro APR on Balance Transfers
usually for 12 months* read TERMS for current

• 13.99%-16.99% there after
• No Annual Fee
• 1 Mile per dollar on net purchases
• Online Account Access
• 100% Fraud Protection
• Up to 5000 Bonus miles first time use the card
• Redeem Miles at most US based carriers with no blackout
• Compact companion card
2GO
AT&T Universal Platinum Card AT&T Universal Platinum Card
0% APR on balance transfers for 12 months

• Purchase & after Intro APR 8.74%
• No annual fee
• 2 free directory assistance inquiries per month
• Up to 30 free phone minutes per month, anytime, anywhere
• Wireless phone loss & theft insurance reimbursement coverage
• Citi® Identity Theft Solutions
• $0 Liability Protection on unauthorized purchases
• Grace period up to 20 days
Citi PremierPass and Elite Card
0% APR on Balance Transfer for 12 months*

• Purchase & after Intro APR 14.99%
• No annual fee or Elite $75
• 5000 bonus points at sign up or 15000 on elite
• 1 point for every 3 miles you fly on any airline
• 1 point for every $ you spend
• Points for miles your friends and family fly
• Plus continue earning on other frequent flyer programs as well
• Redeem for merchandise or travel any airline no blackout dates
• Elite:Unlimited free companion with purchase of qualifying ticket
• Elite:2 points for every $ made at supermarkets, drug stores, gas, commuter transportation, parking
Citi PremierPass and Elite Card
American Express Blue Cash Back
0% Intro APR on Purchases & Balance Transfers up to 15 m.
• then a fixed APR as low as 4.99%-9.99%
• No Annual Fee
• Up to 5% Cashback
• grace period up to 20 days
• Up to $100000 Credit Line
• Built-in Smart Chip
• Fee Free
Rewards Program
• CoolBlueOffers
United Mileage Plus Signature
13.90% APR

• Free Companion Certificate after your first purchase
• 5000 Bonus Miles after your first purchase
• Free One-way, 1000 mile, One-class Upgrade Certificate
• 1 mile for every $1 charged in purchases
• Up to 11 miles per $1 spent at participating restaurants
• 100% protection for all unauthorized purchases
• Up to $1000000 Travel Accident Insurance
• Up to $300 Trip Delay Reimbursement
• Up to $3000 Lost Luggage Insurance
• Finance charge grace period up to 20 days
• Annual Fee $60
Discover® Platinum Gas Card®
0% Intro APR on
Purchases & Balance Transfers
usually for 6 months* read
TERMS for current
• 7.99%-16.99%* there after and Purchases
• No Annual Fee
• up to 10% Cashback Bonus® award* on Gas Purchases
• up to 1% Cashback Bonus® award* on your Other Purchases
• Grace period least 25 days when you pay your balance in full
Chase Travel Rewards® Platinum MasterCard®
9.49%-17.99% APR

• Fixed 0% introductory rate for 9 months
• Earn 1 point for every $1 you charge
• Redeem for flights, hotel, cruises, car rentals, vacation packages. Any airline (over 250 in all)
• No annual
• Grace period not less than 20 days
• Additional Card at No Extra Charge
Chase Travel Rewards Platinum MasterCard
Chase Ultimate Cash Award MasterCard® Chase Ultimate Cash Award (sm) MasterCard®
12.49%-20.49% APR

• 0% Introductory APR on balance transfers for up to 9 months*
• Up to 5% rebate at supermarkets, gas stations, drugstores & home improvement stores
• up to 2% everywhere else
• NO LIMIT, Bonus rewards percentage if you carry a balance
• No annual fee first
• Grace period not less than 20 days
• Additional Card at No Extra Charge
America West Platinum-Bank of America
10.99% APR on Balance Transfers
• 5000 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 on America West)
• Credit Lines up to $100000
• 2 Free America West Club Passes
• Grace Period Not less than 20 days
• Travel Accident Insurance up to $1000000
• Emergency Airline Ticket Replacement
• Hotel Theft and Lost Luggage Insurance
• Unlimited Automatic Rental Insurance
• Annual Fee $75
Discover® Platinum Clear Card
0% Intro APR on Balance Transfers & Purchases
usually for 8 months* read
TERMS for current
• 9.99%-16.99% there after
• Up to 2% Cashback Bonus ® award*
• No Annual Fee
• 100% Fraud Protection
• Several colors and designs to chose from
Compact companion card 2GO you can request after approved
America West Classic-Bank of America
13.99% APR on Balance Transfers
• 2,500 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 on America West)
• Grace Period Not less than 20 days
• Travel Accident Insurance up to $400000
• Emergency Airline Ticket Replacement
• 100% Security for purchases on the internet
• Annual Fee $45
Marathon® Platinum MasterCard®
13.99%-18.99% APR

• 0% introductory APR on balance transfers for up to 9 months.*
• Earn a 1% rebate all purchases
• Earn a 10% rebate on any Marathon purchases for 60 days
• Earn a 5% rebate on any Marathon purchases after the 60 days
• No annual fee first year. $20 thereafter,
waived if 9 Marathon purchases are made in the prior year
• Grace period not less than 20 days
• Purchase Assurance and Extended Warranty Protection
• Up to $1000000 Automatic Travel Accident Insurance
Alaska Air Platinum-Bank of America
10.99% APR on Balance Transfers
• 5,000 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 on Alaska Air)
10 miles per dollar spent at select restaurants
Grace Period Not less than 20 days
• Travel Accident Insurance up to $1000000
• Emergency Airline Ticket Replacement
• 100% Security for Purchases on the Internet
• Extended Warranty Protection
Annual Fee $75
American Express Blue
0% Intro APR for up to 15 months

• then a fixed APR as low as 4.99%
• No Annual Fee
• Built-in Smart Chip
• grace period up to 20 days
• Up to $100000 Credit Line
• Fee Free
Rewards Program
• CoolBlueOffers
Alaska Air Gold-Bank of America
11.99% APR on Balance Transfers
• 3,000 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 on Alaska Air)
10 miles per dollar spent at select restaurants
Grace Period Not less than 20 days
• Travel Accident Insurance up to $1000000
• Emergency Airline Ticket Replacement
• 100% Security for Purchases on the Internet
• Extended Warranty Protection
Annual Fee $45
Chase CashBuilder Card
8.99%-18.99% APR on purchases

• 0% intro APR on balance transfers up to 12 months*
• Earn up to 2% cash rewards on purchases
• No balance transfer fee
• No annual fee
• $1000000 Worldwide Automatic Travel Accident Insurance
• Free Auto Rental Collision Insurance
• Grace Period Not less than 20 days
Alaska Air Classic-Bank of America
13.99% APR on Balance Transfers
• 3,000 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 on Alaska Air)
10 miles per dollar spent at select restaurants
Grace Period Not less than 20 days
• Emergency Airline Ticket Replacement
• 100% Security for purchases on the internet
Annual Fee $45


Discover® Platinum
0% Intro APR on Balance Transfers and Purchases
usually for 8 months* read
TERMS for current
• 7.99-16.99% there after
• No Annual Fee
• Up to $50000 Credit Limit
• Up to 2% Cashback Bonus
® award*
• Online Account Access
• 100% Fraud Protection
• Offer available even if you already have a Classic Card
Compact companion card 2GO
WorldPerks® Visa® Platinum Card
14.00% APR

• 55 WorldPerks miles for the $55 annual fee
• 20 days grace period
• Credit line up to $7500
• Annual 4000mile award discount from Northwest Airlines®
• Up to 10 miles per $1 spent at over 10000 restaurants
• Earn miles every time you use the card-no cap miles earned
• 24-hour toll-free customer service
• $250000 in Travel Accident Insurance
• No cap on miles earned
• Purchase Security and Warranty Manager Service
• Free rental car collision/loss damage insurance
Discover Titanium Card
0% Intro APR on Balance Transfers and Purchases
usually for 6 months* read
TERMS for current
• Then a low 9.99% APR on purchases & balance transfers*
• No Annual Fee
• Up to $50000 credit line
• Several designs to chose from
• Compact companion card
2GO
• Grace period at least 25 days when you pay your balance in full
WorldPerks® Visa® Signature Card
14.00% APR

• 90 WorldPerks miles for the $90 annual fee
• 20 days grace period
• addition to ALL benefits of the WorldPerks® Platinum
• No preset spending limit
• Concierge service
• Signature exclusive 24-hour customer service
• $1000000 in Travel Accident Insurance
• Free Annual Account Summary
Chase Platinum
0% Intro APR on balance transfers & purchases for 6 m.

• Thereafter, 8.74%-12.74% depending on balance and credit
• No annual fee
• A generous credit line up to $100000
• Rewards for free flights, hotel stays and more
• car rental insurance and purchase protection at no extra cost
• No liability for unauthorized purchases
 
Starwood Preferred Guest® from Amex
2.90% Intro rate for Purchases for 6 months

• 2.90% Balance Transfers for 6 months with this application
• Then, 14.24% on Purchases & Balance Transfers
• Grace Period 20 days for purchases
• 1st Year Free, $30 thereafter
• Up to 6000 Bonus StarpointsSM in your 1st year
• Earn Starpoints for every eligible $
• Use Starpoints for free nights, free flights, and more
• Annual 50% off Award @ Starwood
• Travel Accident Insurance provides up to $100000
• Car Rental Loss and Damage Insurance
• Global Assist® Hotline
Universal Entertainment MasterCard®
0% Intro APR on Balance Transfers for 9 months

• 12.94% there after and on purchases
• Transaction Fee for Balance Transfers: 3% (max $45)
• dbl points on select purchases @ Universal Parks, Resorts & sites
• every dollar you spend will earn you one Universal point
• free movie ticket at card activation
• 100% Fraud Protection
• grace period not less than 22 days
• No Annual Fee
Hilton HHonors® Visa® Card
2.99% intro APR** on purchases & balance transfers for 6 m.
• then a 14.74%-16.74% APR
• No Annual Fee
• 15000 Hilton HHonors bonus point
• 3 HHonors bonus points for every $ at Hilton Family hotels
• 2 HHonors bonus points for each dollar spent elsewhere
• Double Dip & receive both Hilton HHonors points+airline miles
• Complimentary Silver VIP membership for first year
Hilton HHonors Platinum Credit Card
ATT Universal Cash Rewards Card AT&T Universal Cash Rewards Card
0% APR on Balance Transfers up to 12 months

• Purchase APR as low as 9.49%
• No Annual Fee
• 5% cash back on purchases at supermarkets, drugstores, gas
• 5% cash back on certain AT&T products and/or services
• 1% cash back on all other purchases
• Integrated calling card number on your AT&T Universal Card
• Up to 30 free phone minutes per month, anytime, anywhere
• Wireless phone loss & theft insurance reimbursement coverage
• Citi® Identity Theft Solutions
• $0 Liability Protection on unauthorized purchases
• Fraud Early Warning
Hilton HHonors® Platinum from Amex
2.90% Intro rate for Purchases for 6 months

• 2.90% Balance Transfers for 6 months with this application
• Then, 14.24% on Purchases & Balance Transfers
• No annual fee
• Transfer Balances Fee-Free
• 3 HHonors bonus points for every $ spent
• 5 HHonors bonus points at any Hilton HHonors hotel
• 7500 Hilton HHonors® bonus points with first purchase
• Travel Accident Insurance
• Car Rental Loss and Damage Insurance
• Option to extend payment with intro APR for purchases
• Online Fraud Protection Guarantee
• Buyer's Assurance Plan extends the terms of the warranty
• Purchase Protection Plan
• Guarantee all your hotel and motel reservations
• Global Assist Hotline
Citi® Driver's Edge Platinum Select® MasterCard® Citi® Driver's Edge Platinum Select® MasterCard®
0% APR* on balance transfers for 12 months (+no fee)

• then and on purchases a 10.74% APR
• No Annual Fee
• 5% rebates on purchases for 9 months (1% after)
• Use rebate for any new/used car or service, repair or maintenance
US Air Platinum - Bank of America
1.9% intro APR for purchases & BT for 6 months

• 13.99% APR on Balance Transfers
• 7000 bonus miles the first time you use your card
• 1 mile for each dollar spent (2 US Air)
• Credit Lines up to $100000
• $75 off a new annual US Air Club membership
• Grace Period Not less than 20 days
• One $99 companion certificate for 2
• Annual Fee $90
Citi® Dividend Platinum Select® MasterCard Citi® Dividend Platinum Select® MasterCard®
0% APR* on balance transfers for 12 months

• Purchase APR as low as 10.24%
• No annual fee
• Grace period Not less than 20 days
• 5% cash back on purchases at supermarkets, drugstores & gas
• 1% on all other purchases
• cash back for every balance transfer transaction of $1500 or more
• Citi Identity Theft Solutions
• $0 Liability on unauthorized purchases
US Air Gold - Bank of America
1.9% intro APR for purchases & BT for 6 months

• 13.99% APR on Balance Transfers
• 4000 bonus miles the first time you use your card
• 1 mile for each dollar spent
• Credit Lines minimum $5000 up to $15000
• Automatic Rental Car Insurance
• Grace Period Not less than 20 days
• $500000 Automatic travel Accident Insurance
• Emergency Cash & Airline Ticket Replacement
• Extended Warranty Protection (warranty is doubled)
• Annual Fee $70
Chase Profit MasterCard card Chase Profit MasterCard®
13.49%-20.49% APR

• 0% introductory rate for 9 months on balance transfers
• 3% cash back on ALL gas, grocery or restaurant purchases (choice)
• You can change your categories any time you want
• Up to 1% cash Back on ALL other purchases
• No annual
• Grace period not less than 20 days
• Additional Card at No Extra Charge
US Air Classic - Bank of America
1.9% intro APR for purchases & BT for 6 months

• 13.99% APR on Balance Transfers
• 3000 bonus miles the first time you use your card
• 1 mile for each dollar spent
• up to $100000 travel insurance
• Grace Period Not less than 20 days
• Annual Fee $50
Subaru® MasterCard® Card from Chase
0% Intro APR for 9 months on balance transfers

• 12.74%-19.99% there after
• you'll earn SubaruBucks on every purchase
• 3% cash reward
• Grace Period 22 days
• No annual fee
Hawaiian Airlines Visa Platinum
1.9% fixed intro rate for 6 months on BT & Purchases

• thereafter, Variable 10.99% APR
• Annual Fee $50 platinum, $25 classic
• 10000 Bonus Hawaiian Mileswith first purchase and payment
• 1 HawaiianMile for every $ you spend
• 2 HawaiianMiles for every $ on tickets from Hawaiian Airlines
• 5000 Anniversary HawaiianMiles, annually
• 50% discounted companion certificate
• Pool miles with friends and family
• Credit lines up to $100000
HESS Visa from Chase HESS® Visa® from Chase
0% Intro APR on purchases & balance transfers up to 6 m.

• 11.74%-17.74% there after
• 10% on all HESS gas, merchandise & food purchases for 90 days
• 5% thereafter
• 1% on all other purchases anywhere
• No annual fee
• Grace period not less than 20 days
Asiana Visa Platinum
1.9% fixed intro rate for 6 months on Purchases
3.9% fixed intro rate for 6 months on Balance Transfers

• thereafter, Variable 10.99%-14.99% APR
• Annual Fee $80
• Grace Period for Purchases at least 20 days
• 2 miles for every $ in purchases of Asiana Airlines tickets
• $500 annual discount on full-fare business class
• 5000 bonus miles with your first purchase
• 1 mile for every dollar spent
• 2 miles for every dollar in purchases of Asiana Airlines tickets
• 2000 anniversary bonus miles, annually
• 90% discounted companion ticket, annually
• 2 free lounge passes, annually
Providian Visa Platinum card Providian Visa® Platinum
9.99%-19.99% APR, depending on your credit
Please read TERMS for current

• 0% intro APR on balance transfers* for 12 months
• No annual fee
• Credit line up to $15000
• Grace period at least 25 days
• Online access to your credit score*
• Automatic credit line reviews
• $0 liability on unauthorized transactions
• Money-saving discounts*
Anne Geddes Visa® Gold
1.9% fixed intro rate for 6 months on BT & Purchases

• thereafter, Variable 6.99%-13.99% APR
• No annual fee
• Credit lines high as $25000, with minimum $5000 credit line
• 0.5% of every purchase will be donated to Anne Geddes Trust
• Additional cards at no extra charge
• Automatic auto rental insurance
• Extended warranty protection
• Travel and emergency assistance
• Automatic travel accident insurance up to $150000
• Grace Period at least 20 days
• 4 adorable baby portrait designs to chose from
AT&T Universal Rewards Card AT&T Universal Rewards Card
0% APR* on balance transfers for 12 months

• Purchase & after Intro APR 9.74%
• No annual fee
• 5 points for every $ supermarkets, drug stores, gas
• 5 points for every $ eligible AT&T product or service
• 1 point on all other purchases
• Use points through ThankYou Network or retail stores, restorants +
• 2 free directory assistance inquiries per month
• Up to 30 free phone minutes per month, anytime, anywhere
• Wireless phone loss & theft insurance reimbursement coverage
• Citi® Identity Theft Solutions
• $0 Liability Protection on unauthorized purchases
• Grace period up to 20 days
Citi® Platinum Select® AAdvantage® World MasterCard
14.74% APR

• Annual Fee $85
• No pre-set spending limit
• 12500 Bonus Miles after your first purchase
• Grace period up to 20 days
• 1 AAdvantage® mile for every $1 you spend
• Reduced Mileage Awards 7500 fewer miles to select dest
• No blackout dates on American Airlines, Eagle & Connection
• $0 Liability on unauthorized charges
Citi Platinum Select AAdvantage World MasterCard card
Chase Speedway SuperAmerica MasterCard Chase Speedway SuperAmerica MasterCard®
14.49%-19.49% APR

• 0% introductory APR on balance transfers for up to 9 months
• 8% rebate on Speedway SuperAmerica & Rich Oil for 1st 60 days
• 4% rebate on any Speedway SuperAmerica & Rich Oil purchases
• Earn a 1% rebate on all other purchases
• No annual fee first year. $20 thereafter,
waived if 9 Speedway purchases are made in the prior year
• Grace period not less than 20 days
• Additional Card at No Extra Charge
Choice Privileges® Visa® Platinum Card
1.9% fixed intro APR for 6 months on bt & purchases

• then Variable APR; currently between 14.74%-18.74%
• No Annual Fee
• Grace period At least 20 days
• Earn 2 points per $ on all purchases
• Earn a free night with your first purchase(6000 points)
• Earn 15 points per $ at 3000 locations
• Additional cards at no extra charge
• Total Security Protection™ package
• Auto rental insurance against collision or damage
• Lost luggage reimbursement
• Automatic travel accident insurance up to $500000
• Purchase Replacement repair or replace purchases that stolen, damaged or lost within 90
• Purchase Guard will double manufacturers warranty
Choice Privileges Platinum VisaCard
Toys"R"Us® Visa®
12.15% APR on Purchases

• 9.9% on balance transfers until paid off
Transaction Fee for Balance Transfers: $50 but initially FREE
4% on every purchase at
Toys"R"Us®, Kids"R"Us®, Babies"R"Us®, Imaginarium®
1% on every purchase at
toysrus.com, babiesrus.com, amazon.com/toys
1% on all other purchases
• Every time you reach at least $10 in rewards, you'll automatically receive a Rewards Coupon
grace period not less than 22 days
• No Annual Fee
Free Credit Report
Discover® Gold
0% Intro APR on Balance Transfers and Purchases
usually for 8 months* read
TERMS for current
• 13.99% there after
• No Annual Fee
• Up to 1% Cashback Bonus
® award*
• Online Account Access
• Superior 24-hour Customer Service
• 100% Fraud Protection
Compact companion card 2GO you can request after approved
Citi Home Rebate Platinum Select MasterCard Citi Home Rebate Platinum Select MasterCard
12.24% APR on Purchases & BT after Intro
• 0% APR on Balance Transfer for 12 months*, then 12.24%
• No annual fee
• 1% rebate toward your mortgage principal
• Works for any mortgage with No limit
• no fee on balance transfers for 12 months
• Fraud Early Warning, Lost Wallet Serv., Citi Identity Theft Solutions
Chase PerfectCard tm
0% Introductory APR* on balance transfers for 9 months

• After and on purchases 13.74%-18.99% APR
• No annual fee first year. Thereafter the $19 waive able
• 6% rebate on gas purchases made at any gas station for 90 days
• After that, you'll earn a 3% rebate on all gas purchases
• 1% rebate on all other purchases
• Grace Period Not less than 20 days
• Automatic Travel Accident Insurance
• Purchase Protection
Union Plus
9.9%-18.9% APR on purchases

• 8.9% APR on Balance Transfers
• No Annual Fee
• You can skip up to 2 monthly payments each year
• you may skip your payment up to 3 months while on strike
• Free $250000 Travel accident insurance coverage
IN:NYC SM Card from American Express IN:NYC SM Card from American Express
0% Intro Rate for 6 Months on Purchases & Balance Transfers
• Then 8.99%-16.99%
• Option to carry a balance
• No Annual Fee
• Grace Period 20 days for purchases
• 2 points in your INSIDE Rewards account for every eligible dollar
• 2 points every $ on Dining, Movies, Cell Phone, ISP's, Newspaper & Magazine subscriptions & Gym
• 1 point for virtually all other purchases and there is no expiration date or limit
• Online Fraud Protection Guarantee
• Return Protection, Buyer's Assurance, Purchase Protection Plan
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance up to $100000
American Express Classic
No interest, all charges are due when you receive statement

• No pre-set spending limit
• Travel Accident Insurance
• Car Rental Loss and Damage Insurance
• Purchase Protection Plan
• Membership
Rewards Options built right in
• double points when used at Postal Service or wireless phone bill
• Global Assist Hotline
• Protection for the things you buy
• Return Protection
• $65 Annual Fee
American Express Gold
No interest,
all charges are due when you receive statement
• No pre-set spending limit
• Free shipping & handling on purchases of $50 @ q. merchants
• Online Fraud Protection Guarantee
• Guaranteed product satisfaction
• Optional
Rewards Program
• Free shipping and handling
• Protection for the things you buy
• Global Assist Hotline
• $90 Annual Fee

for people with bad credit

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