See all Credit Cards, Updated: May 8, 2008

SEE ALL CREDIT CARDS
Learn all about credit card and get tips for keeping your debt down, in this section of NMSReporting.

CREDIT CARD APPLICATIONS
Before we get into shopping for a card, let's go over some important terms you'll encounter in credit-card brochures or discussions with potential lenders:

Annual fee - A flat, yearly charge similar to a membership fee;
Finance charge - The dollar amount you pay to use credit;
Grace period - A time period, usually about 25 days, during which you can pay your credit-card bill without paying a finance charge;
APR (Annual percentage rate) - The yearly percentage rate of the finance charge;
Fixed rate - A fixed annual percentage rate of the finance charge;
Variable rate - Prime rate (which varies) plus an added percentage (For example, your rate may be PR + 3.9 percent.);
Introductory rate - A temporary, lower APR that usually lasts for about six months before converting to the normal fixed or variable rate (This is a hot topic - more about it later.).

Card	Category	APR	Annual	Online
Advanta Platinum BusinessCard	Business	14.24%	$0	Apply
Advanta Life of Balance Platinum Card	Business	9.99%	$0	Apply
Advanta Platinum BusinessCard with Rewards	Business	7.99%	$0	Apply
Delta SkyMiles® Gold Credit Card	Reward - Airline	17.74%	$95**	Apply
Blue from American Express®	Reward - Other	11.744%	$0	Apply
Blue Cash® from American Express®	Reward - Cash	12.74%	$0	Apply
Starwood Preferred Guest® Credit Card from American Express®	Reward - Hotel	17.74%	$45**	Apply
Hilton HHonors® Platinum Card from American Express®	Reward - Hotel	18.24%	$0	Apply
IN:NYC® Card from American Express	Reward - Retail	11.74%	$0	Apply
JetBlue Card from American Express®	Reward - Airline	17.74%	$40	Apply
Gold Delta SkyMiles® Business Credit Card	Business	17.74%	$95**	Apply
Blue Sky from American Express	Reward - Travel	12.74%	$0	Apply
The Business Gold Rewards Card	Business		$125**	Apply
JetBlue Business Credit Card from American Express®	Business	18.24%	$40	Apply
American Express SimplyCash® Business Card	Business	8.25%	$0	Apply
Starwood Preferred Guest® Business Credit Card from American Express®	Business	17.74%	$45**	Apply
Business Green Rewards Card	Business		$95**	Apply
IN:LA(SM) Card from American Express	Reward - Retail	11.74%	$0	Apply
One from American Express®	Reward - Cash	13.74%	$35**	Apply
IN:CHICAGO® Card from American Express	Reward - Retail	11.74%	$0	Apply
American Express® Platinum Business FreedomPass(SM) Card	Business	12.24%	$0	Apply
American Express® Preferred Rewards Green Card	Charge		$95**	Apply
Blue Cash® for Business Credit Card	Business	11.24%	$0	Apply
American Express® Preferred Rewards Gold Card	Charge		$125**	Apply
The Platinum Business Credit Card	Business	11.24%	$0	Apply
Clear from American Express	Reward - Cash	13.74%	$0	Apply
American Express® AIR MILES® Credit Card	Canada	18.5%	$0	Apply
Alaska Airlines Visa® Signature® Credit Card	Reward - Airline	APR Varies*	$75	Apply
Hawaiian Airlines® Visa® Platinum Credit Card	Reward - Airline	APR Varies*	$50	Apply
Choice Privileges® Visa® Card	Reward - Hotel	APR Varies*	$0	Apply
Anne Geddes Platinum Visa® Card	Reward - Retail	APR Varies*	$0	Apply
Bank of America® Accelerated Rewards™ American Express® Card	Reward - Other	9.9%	$0	Apply
MilesEdge® Visa® Signature Card	Reward - Travel	APR Varies*	$19	Apply
NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card	Reward - Sports	9.9% / 15.99%	$0	Apply
Financial Rewards® Visa® Platinum Plus®	Reward - Cash	APR Varies*	$0	Apply
Wyndham Rewards MasterCard(SM)	Reward - Hotel	9.9% / 15.99%	$0	Apply
Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card	Reward - Other	9.99% / 15.99%	$0	Apply
Ducks Unlimited WorldPoints® Platinum Plus® Visa® Card	Reward - Sports	9.99% / 15.99%	$0	Apply
Bank of America Visa Signature® WorldPoints® Rewards	Reward - Other	9.99% / 15.99%	$0	Apply
Bank of America® Student Platinum Plus® Visa® Credit Card	Student	APR Varies*	$0	Apply
Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card	Reward - Sports	9.9% / 15.99%	$0	Apply
Money Return® Visa® Platinum Plus®	Reward - Cash	APR Varies*	$19	Apply
Bank of America World MasterCard® with WorldPoints™	Reward - Other	9.99% / 15.99%	$0	Apply
Asiana Visa® Platinum Plus® Card	Reward - Airline	APR Varies*	$80	Apply
Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card	Reward - Cash	9.99% / 15.99%	$0	Apply
Efectiva® Platinum Plus® Visa®	Reward - Cash	APR Varies*	$0	Apply
Make-A-Wish® Platinum Visa® Card	Regular	APR Varies*	$0	Apply
Bank of America® Platinum Plus® Visa® Card	Regular	APR Varies*	$0	Apply
BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card	Reward - Sports	9.9% / 15.99%	$0	Apply
NFL Extra Points™ Platinum Plus® Visa® Card	Reward - Sports	9.99% / 15.99%	$0	Apply
World Series of Poker® Visa® Card with WorldPoints® Rewards	Reward - Sports	15.99%	$0	Apply
PetRewards® Platinum Plus® Visa® Credit Card	Reward - Retail	APR Varies*	$0	Apply
Elite Rewards® World MasterCard® Credit Card	Reward - Other	9.9% / 15.99%	$0	Apply
Wired Plastic™ Prepaid Visa® Card	Pre-Paid		$0	Apply
Eufora™ Associate Prepaid MasterCard®	Pre-Paid		$29.95	Apply
Eufora™ Elite Credit Builder Prepaid MasterCard®	Pre-Paid		$99.95	Apply
Chase Free Cash Rewards(SM) Visa® Card	Reward - Cash	13.74%	$0	Apply
Chase Platinum Visa® Card	Reward - Other	13.74%	$0	Apply
Chase Business Cash Rewards Card	Business	13.74%	$0	Apply
Chase Freedom(SM) Credit Card	Reward - Cash	17.74%	$0	Apply
Chase Flexible Rewards Platinum Visa® Card	Reward - Other	11.74%	$0	Apply
Chase Platinum MasterCard®	Reward - Other	13.74%	$0	Apply
Chase Platinum Business Card	Business	11.74%	$0	Apply
Chase Business Rebate Visa® Card	Business	13.74%	$0	Apply
Citi® Professional(SM) Card with ThankYou(SM) Network	Business	13.74%	$0	Apply
Citi® Hilton HHonors® Visa® Signature Card	Reward - Hotel	17.74%	$0	Apply
AT&T Universal Savings and Rewards Card	Reward - Retail	As low as 13.74%	$0	Apply
Citi® Platinum Select® / AAdvantage® World MasterCard®	Reward - Airline	17.74%	$85**	Apply
CitiBusiness® Card with ThankYou(SM) Network	Business	12.74%	$0	Apply
Citi® mtvU™ Platinum Select® Visa® Card for College Students	Student	15.74%	$0	Apply
Citi® Professional(SM) Cash Card	Business	13.74%	$0	Apply
Citi PremierPass®	Reward - Travel	13.74%	$0	Apply
Citi® Home Rebate Platinum Select® MasterCard®	Reward - Finance	11.74%	$0	Apply
Citi® Dividend Platinum Select® Card for College Students	Student	15.74%	$0	Apply
AT&T Universal Savings Platinum Card	Regular	As low as 11.74%	$0	Apply
Citi® Dividend Platinum Select® Card	Reward - Cash	As low as 12.24%	$0	Apply
Citi® Upromise® Card	Reward - Finance	13.74%	$0	Apply
Citi® Bronze® / AAdvantage® World MasterCard®	Reward - Airline	17.74%	$0	Apply
Citi® Bronze® / AAdvantage® Card for College Students	Student	17.74%	$0	Apply
Discover® More(SM) Card - Wildlife Collection	Reward - Cash	10.99%	$0	Apply
Discover® More(SM) Card	Reward - Cash	10.99%	$0	Apply
Discover® More(SM) Card- American Flag	Reward - Cash	10.99%	$0	Apply
Miles by Discover® Card	Reward - Travel