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Rewards

Rewards are always a good thing and when it comes to reward credit card offers, it is like a rebate that saves you money. Rewards cards allow consumers to earn points. Those points may be redeemed in various ways, including for air travel discounts, free hotel bookings, gift certificates to restaurants and retailers and product purchases. Using this rebate, credit card users get something back for their investment.

American Express® Premier Rewards Gold Card

Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
Introductory annual fee of $0 for the first year, then $175
Get approved in 60-seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00 1^st year, then $175.00*	No	Excellent Credit*

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Delta Airlines - Gold Delta SkyMiles® Credit Card

Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
$0 intro annual fee for the first year, then $95
Check your first bag Free - for up to 9 people on your reservation - on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In-Flight Savings

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	15.24-19.24% (Variable)*	$0.00 1^st year, then $95.00*	No	Excellent Credit*

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Blue Cash Everyday^SM from American Express

Blue Cash Everyday<sup>SM</sup> from American Express

Earn a $100 cash back bonus 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

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	12 months on purchases*	17.24-22.24% (Variable)*	$0.00*	No	Excellent Credit*

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The Platinum Card® from American Express

25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$450.00*	No	Excellent Credit*

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Discover® More® Card - Balance Transfer Fee*

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 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 apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	6 months on purchases*	10.99-20.99% (Fixed)*	$0.00*	Yes	Excellent Credit*

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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 automatic 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

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	15 months on purchases*	10.99-20.99% (Variable)*	$0.00*	Yes	Excellent Credit*

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Starwood Preferred Guest® Credit Card

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	15.24-19.24% (Fixed)*	$0.00 1^st year, then $65.00*	No	Excellent Credit*

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Miles by Discover® Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
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

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	6 months on purchases*	10.99-16.99% (Variable)*	$0.00*	Yes	Excellent

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Discover® Open Road Card

Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at any gas station and any restaurant 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 apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	12 months on purchases*	10.99-20.99% (Variable)*	$0.00*	Yes	Excellent

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Blue Sky from American Express^SM

Blue Sky from American Express<sup>SM</sup>

No annual fee
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program®: big deals on big brands, all the time
Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
Get approved in 60-seconds

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	12 months on purchases*	17.24-22.24% (Fixed)*	$0.00*	No	Excellent Credit*

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American Express® Gold Card

Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
Get approved in 60-seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00 1^st year, then $125.00*	No	Excellent Credit*

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Visa® Black Card

Made with carbon, not just another piece of plastic; Membership is limited
24-hour concierge service at your disposal
Unlimited VIP airport lounge visits
Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
Accepted globally; zero liability protection against unauthorized purchases

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	14.99% (Fixed)*	$495.00*	Yes	Excellent Credit*

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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 standard purchase APR of 10.99% - 20.99%*
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 automatic 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

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
3.99%*	15 months on purchases*	10.99-20.99% (Variable)*	$0.00*	Yes	Excellent

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TrueEarnings® 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

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	6 months on purchases*	15.24% (Fixed)*	$0.00*	No	Excellent Credit*

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Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%*	6 months on purchases*	10.99-16.99% (Variable)*	$60.00*	Yes	Excellent Credit*

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Iberiabank Visa® Platinum Card

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.
Turn your points into hotel, gift, or experience rewards
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	9.25-15.25% (Variable)*	$0.00*	Yes	Excellent Credit*

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PenFed VISA Platinum Gas/Cash Rewards Card

13.99% APR - Lower than most rewards cards
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.00% cash back from all purchases** you make with the card during each billing cycle
Up to $50,000 limit
No Annual Fee
Cash Rewards credited each month
No special restrictions to earn your cash rewards
You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	13.99% (Fixed)*	$0.00*	Yes	Excellent Credit*

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PenFed Premium Travel Rewards American Express^® Card

PenFed Premium Travel Rewards American Express<sup>®</sup> Card

No annual fee
5x points on airfare purchases and 1x points on all other purchases
20,000 bonus points upon spending $650 in the first 3 months
Complimentary concierge service
Exceptional travel offers and discounts
VIP airport lounge access with $15,000 in annual spend
You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	13.24% (Fixed)*	$0.00*	Yes	Excellent Credit*

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Simmons First Visa® Platinum Rewards

Excellent Credit Required - Applicants that do not have excellent credit will not be approved
Low 9.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	9.25% (Variable)*	$0.00*	No	Excellent Credit*

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How To Use Rewards

These credit cards allow the user to earn either cash back from their purchases or points able to be used in various ways. It is important to find a card that allows you to earn rewards that are suitable, and beneficial, to you. Every card is different, which means that users should spend some time comparing their options carefully.

The amount earned from cashback or other rewards credit cards varies between 1% and 5% on purchases. Note the card's redemption options prior to choosing the card. Choose those credit cards offering the most attractive opportunities for you. Some cards offer a higher rebate on specific types of purchases, such as purchases made at a grocery store or at a gas station. Note the terms and conditions on these cards (which are available on the application.) These higher earnings may be just an introductory offer.

Credit cards offering a reward may cap the amount that can be earned on a year. Most caps are high and not reachable to average card users. Business credit cards may offer no cap. For those who will use the cards at a higher rate, above the cap, may wish to consider two separate rewards credit cards.

To take full advantage of rewards, ensure you pay off the balance on your credit card at the end of each month, within the grace period. This way, no finance charges are billed and you still earn rewards. Those who will carry a balance on their credit cards may wish to look outside the rebate option and instead choose a credit card with a low interest rate. Other options include frequent flyer miles cards, cash back cards or low interest introductory offers.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	N/A*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00 1^st year, then $175.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	9.99%*
Introductory Period	Purchases:	N/A*	Balance Transfers:	12 months on balance transfers*
Regular APRs	Purchases:	15.24-19.24% (Variable)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00 1^st year, then $95.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	0.00%*	Balance Transfers:	N/A*
Introductory Period	Purchases:	12 months on purchases*	Balance Transfers:	N/A*
Regular APRs	Purchases:	17.24-22.24% (Variable)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	N/A*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$450.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	0.00%*	Balance Transfers:	0.00%*
Introductory Period	Purchases:	6 months on purchases*	Balance Transfers:	18 months on balance transfers*
Regular APRs	Purchases:	10.99-20.99% (Fixed)*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.