MTV Visa

Regular APR: 16.90% Variable
Introductory APR: 0% APR Until 5/2010
Annual Fee: $0
Card Strength: MTV Rewards
Credit Needed: Good
16.90% variable 0% APR until May 2010 on purchases $0 Points Good

Having fun is even more rewarding when you get points for all of the purchases you make.

  • 0% intro APR–pay no interest on purchases until May 2010
  • Earn rewards on entertainment, dining, and all of your other purchases
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings

Intro Offer 0% APR on purchases until May 2010
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Choose from 4 unique MTV card designs or create your own image card
  • Credit and financial education

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance
  • Auto rental insurance

In Short MTV Rewards and Events as well as points


IberiaBank Visa Platinum

Earn bonus points for every purchase every day. Low variable rate and no annual fee.

  • 1 bonus point for ever $1
  • Points are good for hotel, travel, and gift rewards
  • No balance transfer fees

Intro Offer 1 bonus point for every $1 in qualifying net retail purchases
Interest Rate N/A

As low as 8.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 12.00%
Rewards Details

  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, travel, gift or experience rewards
  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Consumer Protection Travel accident coverage up to $500,000
Bottom Line A great way to earn bonus points with every purchase


IberiaBank Visa Classic

Regular APR: 7.00%
Intro APR: 0% for 6 months
Annual Fee: $0
Card Type: Low APR
Credit Needed: Excellent

For people with excellent credit, this is a great card with a low APR and a lot of purchasing power.

  • No annual fee
  • APR as low as 7.00%
  • Accepted worldwide

Intro Offer 0% APR on balance transfers for 6 months
Interest Rate N/A

As low as 7.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 11.00%
Rewards Details

  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Bottom Line A great card with a low APR


Citi Forward Visa

Regular APR: 12.24%
Introductory APR: 0% (6 months)
Annual Fee: $0
Card Strength: Points
Credit Needed: Good

Get more out of your purchases with the credit card that rewards you for good behavior.

  • 6,000 bonus points after $50 in purchases made within 3 months of account opening
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening
  • 5 reward points for every $1 you spend on dining, books, movies and music

Intro Offer 0% intro APR for 6 mos. on purchases and balance transfers
Interest Rate 0% APR for 6 months

12.24% on purchases
Balance Transfer 0% for 6 months, regular APR thereafter

Balance transfer fee: 3% of amount of balance transfer ($5 minimum).
Cash Advance 21.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • 6,000 bonus points after $50 in purchases made within 3 months of account opening
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening
  • Get a .25% purchase APR reduction each time you make a purchase, stay under your credit line and pay on time 3 billing periods in a row (maximum of 8 reductions)
  • 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases

Online Account Management Yes
Bottom Line Get points for good behavior with this card


Orbitz Visa Platinum

Regular APR: 16.9% Variable APR
Introductory APR: 0% APR
Annual Fee: $0
Card Type: Visa
Bank: Capital One Bank
Credit Needed:
16.9% variable APR 0% APR until May ’10 on purchases $0 Points Good

Intro Offer 3 points per $1 spent on eligible Orbitz bookings & 1 point per dollar on all other purchases
Interest Rate 0% APR until May ’10 on purchases

16.9% variable APR on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 3 points per $1 spent on eligible Orbitz.com bookings
  • Bonus points on eligible Orbitz.com bookings
  • 1 point per $1 spent on regular purchases
  • 3 times the rewards than any other card on eligible Orbitz.com bookings
  • No limit to the points you can earn and your points won’t expire
  • Redeem for Travel, Merchandise, Gift Cards and more

Other Fees Late Payment Fee: $15/$29/$39 depending on account balance.

Over-Limit Fee based on amount of credit limit when fee is applied.

  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • Auto rental insurance
  • 24-hour roadside assistance
  • Extended warranty program

Bottom Line Earn points for everyday purchases


ATT Universal Business

Regular APR: 10.24%
Introductory APR: 0% (6 months)
Annual Fee: $0
Card Type: Business Visa
Bank: Citibank
Credit Needed: Excellent

Work smarter. Save time. Find fresh ways to improve how business gets done with a great card.

  • Earn up to 100,000 points in a calendar year
  • Redeem your points for: air travel, statement credit, gift cards, merchandise and more
  • No annual fee

More Details
Intro Offer 0% intro APR for 6 months on purchases
Interest Rate 0% for 6 months

10.24% on purchases
Balance Transfer Regular APR

Balance transfer fee: 3% of amount of balance transfer ($5 minimum).
Cash Advance 19.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services
  • Earn 1 ThankYou point for every dollar spent on other purchases
  • Additional cards for employees with credit limits you set

Online Account Management Yes
In Short Reward yourself and your business with this card


Access Visa

No Credit? Bad Credit? Access could be for you. Find out if you’re approved in seconds.

  • Instant Online Decision
  • Reports to all major credit bureaus
  • Outstanding customer service

Intro Offer Instant Online Decision
Interest Rate 19.92% on regular purchases
Annual Fee $48
Cash Advance 19.92%

Cash advance fee: $5
Rewards Details

  • Outstanding customer service
  • Free 24 hour online account access
  • Reports to all major credit bureaus

Other Fees Late Payment Fee: $29.00

Additional Benefits

  • Credit limit increase of $25 every 3-6 months upon your request and approval

Online Account Management Yes
Bottom Line No Credit? Access May Be For You


Citi Platinum Select

Regular APR: 10.99%
Introductory APR: 0% (12 Months)
Annual Fee: $0
Card Strength: Low APR
Credit Needed: Good
Bank: FIA Card Services, N.A.

Build a solid credit history and enjoy the benefits you deserve with no annual fee.

  • No Annual fee
  • 0% APR on purchases and balance transfers for up to 12 months
  • $0 liability

Intro Offer 0% APR on purchases & balance transfers for up to 12 months
Interest Rate 0% APR for up to 12 months

As low as 10.99% on purchases
Balance Transfer 0% APR for up to 12 months, regular APR thereafter.

3% of the amount of each balance transfer, $5 minimum
Cash Advance Prime + 16.99%, but never lower than 21.99%

3% of the amount of each cash advance, $5 minimum
Online Account Management Yes
Consumer Protection

  • Citi® Identity Theft Solutions
  • Travel & emergency assistance
  • Secure, free online account management
  • Retail Purchase Protection

In Short: Get the purchasing power you need


Total Visa

Regular APR: 19.92%
Introductory APR:
Annual Fee: $48
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

This is the Visa® Card for people with “less than perfect” credit.

  • Instant online decision
  • Monthly reporting to all major credit bureaus
  • 24-Hour online account Access

Introductory Offer: Instant Online Decision
Interest Rate: 19.92% on regular purchases
Annual Fee: $48
Cash Advance: 19.92%
Cash advance fee: $5

Rewards Details

  • Credit limit increase of $25 every 3-6 months upon your request and approval

Grace Period At least 25 days when you pay your balance in full each month
Other Fees Late Payment Fee: $29.00
Additional Benefits

  • Outstanding customer service

Online Account Management Yes
Consumer Protection

  • Fraud protection

In Short The Total Visa® Card for people with “less than perfect” credit


IberiaBank Visa Gold

Regular APR: 8.00%
Introductory APR: 0% APR (6 Months)
Annual Fee: 0$
Card Strength: Balance Transfer
Credit Needed: Excellent

A great card for people with excellent credit. Limitless cash back and no expiration dates.

Intro Offer 1% in cash back credit on all qualifying purchases
Interest Rate N/A

  • No annual fee
  • 1% in cash back credit on all qualifying purchases
  • No balance transfer fees

As low as 8.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 12.00%
Rewards Details

  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Consumer Protection Travel accident coverage up to $500,000
In Short: A card that makes earning cash back easier


MTV U Visa

Earn 5 points per dollar spent on frequent purchases and enter for a chance to win a trip to the MTV Music Video Awards!

  • 0% APR for 6 months on purchases & balance transfers
  • Up to 2,000 ThankYou Points yearly for good grades
  • 25 points per month when you pay on time and don’t go over your credit limit

Intro Offer 0% for up to 6 months on purchases & balance transfers
Interest Rate 0% for up to 6 months

17.24% on purchases
Balance Transfer 0% for 6 months, standard APR thereafter

Fee: 3% of amount of balance transfer ($5 minimum)
Cash Advance P+16.99%, but never lower than 21.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • 5 ThankYou Points per $1 spent at restaurants, bookstores, record stores, movie theaters and video rental stores
  • 1 ThankYou Point for every $1 spent elsewhere
  • Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA
  • 25 ThankYou Points for paying on time
  • Redeem ThankYou Points for network rewards like gift cards and travel rewards
  • Exclusive mtvU rewards include VIP passes to mtvU Spring Break and tickets to MTV Video Music Awards

Additional Benefits

  • Travel and emergency services
  • No minimum income or co-signer required

Online Account Management Yes
Consumer Protection

  • Citi Identity Theft Solutions

Bottom Line A great student credit card with points and MTV discounts
Other Info Card issued and administered by FIA Card Services, N.A.


Baby Phat Visa Rush Card

Regular APR: NA
Introductory APR: NA
Annual Fee: NA
Card Type: Visa
Bank: M&T Bank
Credit Needed: Fair

This card says that you are just as savvy about money as you are about fashion. Get the flexibility of plastic without overdraft fees, interest charges & debt.

  • Free money loading with direct deposit or government benefits
  • Access your money anytime & anywhere with the power of a Visa debit card
  • Much safer than cash and more fashionable in Baby Phat pink

More Details
Intro Offer Get the convenience of a credit card, without the debt.
Interest Rate N/A

N/A on purchases
Annual Fee N/A
Rewards Details

  • 24×7 Customer Service
  • Cash Advances From Over 855,000 ATMs worldwide
  • Use online, over the phone anywhere Visa debit cards are accepted
  • Helps control debt
  • No monthly, annual, or hidden fees
  • Online Account Management

In Short – Free direct deposit and easy debt management


Capital One Platinum

Earn 25% more than regular mileage cards. Get a competitive APR, flexible rewards, and great benefits for your excellent credit.

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Fee-free card with more mile rewards than average
Interest Rate 0% APR until May 2010 on purchases

13.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • * 1.25 miles for every dollar spent on purchases
  • * No limit on the miles you can earn and miles don’t expire
  • * No blackout dates and no seat restrictions
  • * Use miles for Travel, Merchandise, Gift Cards and more
  • * Book travel with any airline, hotel, cruise line, or rental car company

Grace Period 25 days from the date of the periodic statement on new purchases (provided you have paid your previous balance in full by the due date)
Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee: $0

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short 1.25 miles for every dollar you spend on purchases


New Millennium Bank Visa Platinum

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Introductory Offer: Get a credit card with no credit check
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details Terms and conditions apply:

  • Reports to ALL 3 Bureaus
  • No Credit Check
  • Be approved regardless of credit history
  • Special high introductory savings rate

Additional Benefits Bonus $3,000 credit line with My Computer Club
In Short Rebuild credit with secured Visa and get platinum benefits


Discover Card Miles Card

Introductory Offer of 1000 bonus miles each month you make a purchase
Introductory Interest Rate of 0% for 6 months

10.99% – 18.99% variable on purchases
Balance Transfer 0% Balance Transfer rate for 12 months
Balance transfer fee: 3% for each transfer made under this offer
Cash advances available @ 23.99%
Cash advance fee is 3% for each cash advance ($5 minimum, $50 maximum).

Rewards Details

  • 1 mile for every $1 spent
  • Double miles on your first $3000 in restaurant and travel purchases
  • 1000 bonus points each month you make a purchase
  • Unlimited rewards never expire
  • Redeem miles for travel credits to your account, gift cards from any of our 80 brand-name partners or cash starting at just 5,000 miles.

Additional Benefits

  • Global travelers hotline
  • Air travel accident insurance
  • Car rental insurance
  • Reliable, effective customer service
  • Online Account Management

Consumer Protection

  • Complete fraud protection

In Short: No annual fee and 1000 monthly bonus points


American Express Gold Card

Get travel rewards and merchandise with your Membership Rewards® points. Gain access to Gold Card events exclusive to card members.

Summary of Card Benefits

  • Points have no expiration date
  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months- redeemable for a $100 gift card!
  • No Pre-Set Spending Limit
Detailed Card Overview

  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months of Card membership- redeemable for a $100 gift card
  • Membership Rewards® program — a fast, flexible rewards program that lets you redeem travel rewards on over 21 airlines
  • No Pre-set Spending Limit
  • Automatically turns your purchases into points you can redeem for your choice of truly exceptional travel, shopping, and entertainment rewards
  • Earn 1 Membership Rewards® point for virtually every dollar you spend
  • Transfer points into 17 frequent flyer programs — 1 point for 1 airline mile with most programs
  • Redeem points for rewards from over 50 of the finest names in shopping and entertainment
  • Points have no expiration date and there is no limit to the number of points you can earn

Additional Card Benefits and Rewards

  • Gold Card Events exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
  • Redeem points for rewards from 21 airlines partners, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location

Consumer Protection Included

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • Save with American Express Selects (SM): Offers, savings, entertainment, and special events all in one great place
  • American Express Travel Service: When you use the Card to book your getaway with American Express® Travel, you’ll qualify to also receive a credit to your account of up to $100 once a year
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Car Rental Loss and Damage Insurance: Coverage for theft of or damage to most rental vehicles when you use your Card

In Short A charge card targeted at higher tier consumers with points and access to Gold Card events.


American Express Platinum Card

American Express Platinum Card – Gain instant access to the Platinum Card lifestyle that benefits and rewards you with the best travel, dining, and lifestyle services.

Summary of Card

  • Exclusive amenities at boutique, resort, and luxury hotels around the world
  • Access to exclusive, once-in-a-lifetime events
  • 24-hour access to Concierge service

Card Details

  • International Airline Program: Receive a complimentary overseas companion ticket on one of 17 participating airlines when you purchase a qualifying ticket through Platinum Travel Service
  • Airport Club Access Program: Enjoy complimentary access to a growing list of participating airline clubs worldwide
  • The Fine Hotels & Resorts Program: Receive special amenities and comforts when staying at more than 500 boutique, resort, and luxury hotels around the world
  • Platinum Destinations® Vacations: Our travel specialists provide one-of-a-kind travel experiences tailored to your personal interests and schedule
  • Platinum Card Concierge: Rely on Concierge to take care of your requests, including selecting a restaurant, arranging the details of an upcoming special event, and more
  • Platinum Dining Reservations: Gives you access to the new restaurants that you may want to experience
  • *Annual Fee: Basic Card – $450 Additional Card – $175 for up to 3 Platinum Additional Cards
  • Other Fees Late Payment Fee: Varies from state to state from zero to the greater of $35 or 2.99% of the delinquent balance.

Additional Benefits and Rewards

  • Premium Car Rental Programs: Complimentary memberships in premium car rental programs from Avis® ,Hertz® and National Car Rental®
  • Cruise Privileges Program: Book your cruise vacation on any of our world-class cruise line partners through Platinum Travel Service and receive exclusive amenities
  • By Invitation Only® – Get exclusive access to once-in-a-lifetime experiences – from sports, fashion and fine dining to the visual and performing arts
  • Premium Seats and Luxury Suites program: Get access to private suites and choice seats at venues in NY and LA for sports, entertainment, and live concert events
  • Platinum Shopping Partners: Take advantage of exclusive shopping privileges and amenities with our luxury retailer partners including Neiman Marcus

Consumer Protection

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • American Express Travel Service: When you use the Card to book your getaway with American Express® Travel, you’ll qualify to also receive a credit to your account of up to $100 once a year
  • Baggage Insurance Plan: Platinum/Centurion coverage for lost, stolen or damaged carry-on and checked baggage up to a combined maximum up to $3,000 for carry-on and checked baggage per covered person per covered trip
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen.
  • Assured Reservations at Select Restaurants


American Express Red

The American Express Red is an American Express credit card which has been launched for the first time in the United Kingdom in March 2006. Applicants must be UK residents. It is part of the Product Red initiative.

The principle of the card is that every time money is spent with it, 1% of the amount is sent to a fund called Global Fund, created in 2002 to fight against AIDS, Tuberculosis and Malaria. When the yearly spending amount exceeds £5000 a year, this percentage is increased to 1.25%.

In the UK, the card is advertised by spokespersons such as Bono, Gisele Bündchen and Elle Macpherson.

Red American Express is mentioned in the 2007 song “The Way I Are” by Timbaland ft. Keri Hilson.


Relais & Châteaux

Relais & Châteaux was established in France in 1954 with a goal to spread it’s unique “art de vivre” by including only outstanding properties with unique character. Currently 475 properties are members of Relais & Châteaux, which is considered a family of hoteliers, and chefs from around the world who share a “passion for personal commitment” and “ensuring their guests are privy to moments of exceptional harmony.” Relais & Châteaux considers a selection of their properties a choice to “experience an unforgettable celebration of the senses.” Their properties range from vineyards in Napa valley to the beaches in Bali, from the olive trees in Provence to the lodges in South Africa.