Summary - We recommend the AT&T Universal Cash Rewards Card for the following reasons 1. It has a simple non-tiered rebate structure at at high rebate percentage of 5% on AT&T purchases, purchases from standalone supermarket, drugstores and gasoline stations. 2. It has no annual fees and and has a very low APR of Prime Rate plus 4.74%. It also has a 12 month 0% balance transfer offer, which charges you 0% for 12 months from the date of transfer (as long as it is transfered during the 12 month window). 3. You can redeem your cash rebate as long as you have earned $50.00 (no waiting for year-end to get your checks).

Summary - We recommend the Citi® Diamond Preferred Rewards® Card to those looking for a reward card. The best feature of this card is that you can earn 5 points for every dollar you spend at standalone supermarkets, gas stations and drugstores (known as "everyday purchase items") for the first 12 months. This is important because just spending $5,000 in this category earns you 25,000 points, which is enough to get you a free airline ticket. The other main highlights of this card are : You earn 5 points for every dollar you spend on "everyday purchases" for the first 12 months There is no annual fee Let's take a closer look at this card

Summary - We recommend the Citi PremierPassSM Card to the frequent flyer because this is the only travel reward credit card that lets you earn points not just from the dollars you spend, but also from the miles you fly. The key highlights of this card are: You earn points not just from the dollars you spend, but also from the miles you fly (at a rate of 1 point for every 3 miles flown) You will earn miles if you pay for your companion's ticket There are no blackout dates for airline ticket redemption Let us look at this card in greater detail.

Summary - We recommend the American Express® Preferred Rewards Green Card to the frequent traveler who is a member of a few frequent flyer or frequent guest programs. Find out more.... Membership Rewards - The American Express Rewards Green Card is a charge card and not a credit card. That means you have to pay your bills fully every month. It's reward program is based on the the American Express Membership Rewards program. This is perhaps the most comprehensive credit card reward program. You can exchange points into miles for 21 airline partners, 15 hotel partners and tons of other shopping and entertainment rewards.

Summary - We recommend the American Express® Preferred Rewards Gold Card to frequent travelers and are members of a few frequent flyer or frequent guest program as the membership rewards program allows you to transfer points directly to those programs. The card and program allows you to earn unlimited points which do not expire. Find out more.... Reward Formula - The American Express Rewards Gold Card allows the cardholder to earn one point for every dollar spent on the card. You can earn unlimited points which do not expire. New cardholders get 10,000 bonus points. One of the perks of the gold card is that cardholders get notification of Gold Card Events (sports and concerts) with premium reserved seats.

Summary - We recommend the Blue from American Express® to those looking for a no annual fee travel or shopping credit card as the reward program (Membership Rewards Options) is perhaps the most comprehensive credit card reward program in the market. You can earn unlimited points which do not expire. Reward Formula - The American Express Blue Card allows you to earn one point for every dollar you spend on the card. You can earn unlimited points which do not expire. The American Express Membership Rewards Options program is the reward program for the Blue card. It has 21 airline partners which you can transfer points into air miles (two points for one air mile) and 15 hotel partners in which you can either exchange points for frequent guest points, get hotel certificates or select from 250 hotels to stay in. There are also numerous cruise, shopping and entertainment rewards.

Summary - The Blue Sky® from American Express is a unique travel reward card that will appeal to those who want a travel credit card. It's key strength is that you can make reservations through airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators, and online travel sites. This allows you to get the best deals. You then redeem your points (after you have booked your travel) for a credit back to your credit card statement. By booking yourself, you also avoid the usual restrictions like blackout dates, having to book 21 days before flight or mandatory Saturday stays that are common in other credit card reward programs. Let us find out more about this card.....

Summary - The IN:NYC® Card from American Express is reward credit card designed for the New Yorker who would like to earn reward points and use them at places where he or she hangs out like restaurants, bars and theaters. Like all American Express cards, you can earn unlimited points which do not expire. Find out more....

Summary - The American Express IN Chicago Card is designed specifically for residents of Chicago who would like to earn reward points that can be redeemed on dining, drinking and entertainment rewards. You can earn unlimited reward points, which can also be redeemed in New York and San Francisco. INSIDE reward points do not expire. Let us look at this card in greater detail.

Summary - The American Express IN LA Card is specifically designed for Los Angeles residents who would like to earn reward points which can be exchanged for gift vouchers to trendy restaurants, bars and theatres in the LA area. Read on.... Reward Formula - The American Express IN LA allows you to earn one INSIDE (SM) reward point for every dollar you spend. You earn double points when you spend on city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions. You can earn unlimited points, which do not expire. These reward points can also be redeemed for items in two other cities, New York and Chicago. At present, the INSIDE Reward Program has 35 Dining (restaurant outlets) partners, 13 Drink partners and 11 Play (Theatres) partners.