Bank / Issuer:	APR:	Balance Transfer Terms:	Fees:	Rewards:	Credit Profile:	Bottom Line:
Citi Platinum Select MasterCard Apply Now Read Review	6.74%-14.74% (0% for 6-12 months)	0% for 6-12 months; 6.74%-14.74% thereafter; 3% fee	None	None	Excellent/Good	6.74%-14.74% ongoing APR; 6-12 month 0% intro APR; lowest APR of any card
Capital One Platinum Prestige Apply Now Read Review	0% until October 2009; 8.9% thereafter	0% until October 2009; 8.9% thereafter; 3% fee	None	None	Excellent	8.9% ongoing APR; 0% intro APR until October '09; straightforward low APR card
Citi Diamond Preferred Card Apply Now Read Review	6.99%-14.99% (0% for 6-12 months)	0% for 6-12 months; 6.99%-15.74% thereafter; 3% fee	None	None	Excellent/Good	6.99%-14.99% ongoing APR; 6-12 month 0% intro APR; very low rate plus Diamond perks
Capital One Platinum Apply Now Read Review	0% until October 2009; 12.9% thereafter	0% until October 2009; 12.9% thereafter; 3% fee; $10 min	None	None	Good	12.9% ongoing APR; 0% intro APR until October '09; very low APR for good but not excellent credit
Bank / Issuer:	APR:	Balance Transfer Terms:	Fees:	Rewards:	Credit Profile:	Bottom Line:
Citi CashReturnsSM Card Apply Now Read Review	8.99% to 16.99% (0% for first 6-12 months)	0% for first 6-12 months; 8.99% to 16.99% thereafter; 3% fee; $5 min	None	1% all purchases plus cash advances & transfers; 20% cash back bonus for first 12 months	Excellent	8.99% ongoing APR; 6-12 month 0% intro APR; best cash back rebate low APR card
Blue from American Express Apply Now Read Review	10.99%-17.99% (0% for 6-12 months)	2.99% fixed APR for the life of the balance on transfer requests within first 30 days; 10.99%-17.99% thereafter; 3% fee	None	Approx. 1 point per dollar spent	Excellent	10.99%-17.99% ongoing APR; 6-12 month 0% intro APR; best low APR points program
Blue Cash from American Express Apply Now Read Review	11.99%-17.99% (0% for first 6-12 months)	2.99% fixed APR for the life of the balance on transfer requests within first 30 days; 11.99%-17.99% thereafter; 3% fee	None	.5%-5% cash back on purchases	Excellent	11.99%-17.99% ongoing APR; 6-12 month 0% intro APR; good combination of low APR & cash back

CITI PLATINUM SELECT REVIEW:Apply Now | Back to Chart

The Citi Platinum Select MasterCard offers an introductory APR of 0% for 6 to 12 months and the lowest ongoing APR we've found - between 6.74% and 14.74%, depending on your creditworthiness. This card also comes with an introductory interest rate of 0% for the first 6 to 12 months, again depending on your credit history. The balance transfer APR will be the same as the purchase APR, and there is a 3% transfer fee, $5 minimum. The Citi Platinum Select MasterCard does not have an annual fee.

This card offers the lowest ongoing APR we've found for those with excellent credit - 6.74% APR and the full 12 month introductory period. If your credit is less than perfect, however, you may end up with a less impressive 14.74% interest rate and an introductory period of only 6 months, although those terms will likely still be very competitive with terms from other cards you'd be able to qualify for. The Citi Platinum Select Mastercard is the best option for anyone focused on getting the lowest APR possible, and comes with no annual fee, a 0% introductory interest rate and some additional perks.

CAPITAL ONE PLATINUM PRESTIGE REVIEW:Apply Now | Back to Chart

The Capital One Platinum Prestige card offers excellent terms for anyone seeking a basic card with a low interest rate. With no annual fee, a 0% purchase and transfer APR until October 2009 and a low 8.9% variable interest rate thereafter, the Capital One Platinum Prestige card is one of the most cost-effective cards available. The Platinum Prestige does charge a 3% balance transfer fee, but the 0% introductory APR and low ongoing APR make this card a great option for anyone who plans to carry a balance or transfer balances from cards with higher interest rates. The Capital One Platinum Prestige is a simple, straightforward, no frills card that still offers the usual benefits such as $0 fraud liability, extended warranty protection, auto rental and travel accident insurance and 24 hour roadside, travel and emergency assistance. Plus, you can save up to 40% off featured deals and get 10% savings on everything else when you use your Capital One credit card in the Saving Zone.

If you have excellent credit and want a card with a 0% introductory APR and low ongoing APR, the Capital One Platinum Prestige card is a great way to go.

CITI DIAMOND PREFERRED CARD REVIEW:Apply Now | Back to Chart

Citi Diamond Preferred Card offers an introductory APR of 0% for 6 to 12 months and one of the lowest ongoing APR we've found - between 6.99% and 14.99%, depending on your creditworthiness. It's essentially the same as the Citi Platinum Select MasterCard, but with a slightly higher APR and the extra Diamond perks such as access to special events, discounts at select retailers, and Diamond Preferred Concierge Service.The balance transfer interest rate is the same as the purchase APR, along with a 3% fee. There is no annual fee.

This card offers a very low ongoing APR (second only to the Citi Platinum Select MasterCard) for those with excellent credit - 6.99% APR and the full 12 month introductory period. If your credit is less than perfect, however, you may end up with a less impressive 14.99% interest rate and an introductory period of only 6 months, although those terms will likely still be very competitive with terms from other cards you'd be able to qualify for. It has no annual fee. The Citi Diamond Preferred Card is the best option for anyone focused on getting the lowest APR possible but who also values the extra Diamond level perks.

CAPITAL ONE PLATINUM REVIEW:Apply Now | Back to Chart

The Capital One Platinum card is the same as the Capital One Platinum Prestige card, but designed for those with good rather than excellent credit. Like its sister card, it offers good terms for anyone seeking a basic card with a low interest rate. With no annual fee, a 0% purchase and transfer APR until October 2009 and a fairly low 12.9% variable interest rate thereafter, the Capital One Platinum Prestige card is one of the most cost-effective cards available for those with good credit. The Platinum card does charge a 3% balance transfer fee, but the 0% introductory APR and low ongoing APR make this card a great option for anyone who plans to carry a balance or transfer balances from cards with higher interest rates. The Capital One Platinum card is a simple, straightforward, no frills card that still offers the usual benefits such as $0 fraud liability, extended warranty protection, auto rental and travel accident insurance and 24 hour roadside, travel and emergency assistance. Plus, you can save up to 40% off featured deals and get 10% savings on everything else when you use your Capital One credit card in the Saving Zone.

If you have good credit and want a card with a 0% introductory APR and low ongoing APR, the Capital One Platinum card is a great way to go. For those with excellent credit, check out its sister card, the Capital One Platinum Prestige card, which has all the same benefits but a slightly lower APR once the intro period has expired.

CITI CASHRETURNS MASTERCARD REVIEW:Apply Now | Back to Chart

Earn up to 6% cash back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center. The Citi CashReturns MasterCard gives you 1% cash back on all purchases, plus 1% cash back on cash advances and $5 for every balance transfer of $1,500 or more. Cardholders also earn a 20% bonus on all cash back earned from purchases within the first 12 months. Cash back is unlimited, and is issued in the form of a check for every $50 earned. There is no annual fee. The purchase APR ranges from 8.99% to 16.99%, depending on your credit. There is a 0% introductory rate for balance transfers for the first 6 to 12 months. After the introductory period has ended, the balance transfer APR is the same as the purchase APR. There is also a 3% transfer fee, $5 minimum.

The Citi CashReturns MasterCard is unique in that it rewards you for cash advances and balance transfers as well as purchases. It's also nice that you start earning 1% cash immediately and don't have to hit a spending tier like some other cards. The Citi Bonus Cash Center is also a good deal (although most other cards have similar sites that they publicize less). In addition, this card has the lowest APRs of any of the cash back cards we've reviewed for those with excellent credit. Overall, the Citi CashReturns MasterCard combines the best cash back program with a very low APR, making it an ideal choice for someone looking for the best of both worlds.

BLUE FROM AMERICAN EXPRESS REVIEW:Apply Now | Back to Chart

Blue from American Express is designed for those who have already established a strong credit history and are looking for a card with a relatively low APR and a great reward program. Depending on your perceived creditworthiness, your APR could be as low as 10.99% or as high as 17.99%, with an introductory APR of 0% for up to 12 months. For users who request a balance transfer within the first 30 days, the APR will be 2.99% for the first 12 months. The standard purchase APR will apply to all other balance transfers. There is also a 3% transfer fee.

The Membership Rewards Express program offers cardholders 1 rewards point for each dollar spent on purchases. No points are earned for balance transfers, cash advances or various fees and charges from American Express. Points can be redeemed for rewards including travel, merchandise, dining and entertainment. Rewards begin at 1,000 points. Points can also be combined with various frequent flyer accounts. There is no limit to how many points you can earn, and points do not expire.

These terms are excellent if you are able to qualify for the 10.99% interest rate and the full 12 month introductory period. If your credit history only qualifies you for the 17.99% APR and a significantly shorter introductory program, you are likely to find preferable rates with a different card offer. Also, if a low introductory balance transfer APR is a priority for you, you should consider one of the many cards that offer 0% introductory rates for balance transfers. But for consumers with very good credit, Blue from American Express is a great credit card option, offering a 0% introductory APR, low ongoing interest rate, and, for those who don’t mind a $40 annual fee, a very rewarding points program.

BLUE CASH FROM AMERICAN EXPRESS REVIEW:Apply Now | Back to Chart

Blue Cash from American Express is a good choice for consumers who want a card with a low APR, but who are also interested in earning cash back when they buy gas or make just about any other purchase. The introductory interest rate is 0% for up to 12 months, with an ongoing APR as low as 11.99% for cardholders with a strong credit history. Applicants who do not qualify for the 11.99% APR may be offered an interest rate of up to 17.99%. Balance transfers submitted within the first 30 days are subject to a 2.99% fixed APR. All other balance transfer requests are subject to the purchase APR. There is also a 3% transfer fee. Blue Cash from American Express does not charge an annual fee.

Initially, Blue Cash cardholders earn 1% cash back at gas stations, supermarkets and drug stores and .5% cash back on all other purchases made with their Blue Cash card. Once cardholders have spent more than $6,500 each year, they begin earning 5% cash back at gas stations, supermarkets and drug stores and 1.5% cash back on all other purchases. Cash back is unlimited.

If you tend to be more frugal with your credit card purchases, Blue Cash from American Express rewards program may not be the best for you. This cash back program will be most rewarding to cardholders who are likely to spend $6,500 within their first few months using their card. Those with good credit who would like a 0% introductory APR, a low ongoing APR, and an excellent cash back program with no annual fee will surely be pleased with Blue Cash from American Express.