New York State Banking Credit Card Survey 2009

AARP Rewards Platinum Card

162 5th Avenue, 7th Floor Columbus, OH 43240

Card issued by : JP Morgan and Chase
Card Type : Visa
Card Class : Platinum
Card Category : Cash Back,Low Interest
Margin Index : Prime + 03.99% - 14.99%
Purchase APR : 7.24% - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $15 - $35 depending on the balance depending on balance
Penalty/Default APR : Up to 29.99%
Penalty/Default Trigger : Late twice in any six month period.
Maximum Default APR :29.99%
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0.00% 6 months 25 days N/A N/A N/A N/A	0.00% 6 months None 03.00 % N/A $5 None	19.24% N/A None N/A 03.00 % $10 None

Rebate Description: Earn one reward point for every dollar you spend.* Redeem points for cash or gift certificates - starting at $25 for 2,500 points.
Special Notes: Exclusive discounts for AARP Platinum cardmembers.

Adirondack Trust Co MasterCard

473 Broadway Saratoga Springs, NY 12866

Card issued by : Adirondack Trust Co
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Regular
Margin Index : N/A
Purchase APR : 15.00%
Finance Calculation Method : Unknown
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $15 after 1st yr
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $20.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	Unknown Unknown 25 days N/A N/A N/A N/A	Unknown Unknown None Unknown N/A Unknown Unknown	15.00% N/A None N/A Unknown Unknown Unknown

Rebate Description: N/A
Special Notes: Available in banking area only.

Adirondack Trust Co MasterCard Gold

473 Broadway Saratoga Springs, NY 12866

Card issued by : Adirondack Trust Co
Card Type : MasterCard
Card Class : Gold
Card Category : Regular
Margin Index : N/A
Purchase APR : 15.00%
Finance Calculation Method : Unknown
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $30 after 1st yr
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $20.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	Unknown Unknown 25 days N/A N/A N/A N/A	Unknown Unknown None Unknown N/A Unknown Unknown	15.00% N/A None N/A Unknown Unknown Unknown

Rebate Description: N/A
Special Notes: Available in banking area only.

Adirondack Trust Co Visa Classic

473 Broadway Saratoga Springs, NY 12866

Card issued by : Adirondack Trust Co
Card Type : Visa
Card Class : Classic/Standard
Card Category : Regular
Margin Index : N/A
Purchase APR : 15.00%
Finance Calculation Method : Unknown
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $15 after 1st yr
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $20.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	Unknown Unknown 25 days N/A N/A N/A N/A	Unknown Unknown None Unknown N/A Unknown Unknown	15.00% N/A None N/A Unknown Unknown Unknown

Rebate Description: N/A
Special Notes: Available in banking area only.

Adirondack Trust Co Visa Gold

473 Broadway Saratoga Springs, NY 12866

Card issued by : Adirondack Trust Co
Card Type : Visa
Card Class : Gold
Card Category : Regular
Margin Index : N/A
Purchase APR : 15.00%
Finance Calculation Method : Unknown
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $30 after 1st yr
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $20.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	Unknown Unknown 25 days N/A N/A N/A N/A	Unknown Unknown None Unknown N/A Unknown Unknown	15.00% N/A None N/A Unknown Unknown Unknown

Rebate Description: N/A
Special Notes: Available in banking area only.

AirTran Airways A+ Visa

Card issued by : Barclays Bank Delaware
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 9.99 - 12.99
Purchase APR : 13.24 - 16.24
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit :
Maximum Credit Limit :
Annual Fee : $0 - $39 depending on rewards program
Over-the-Limit Fee : $15 - $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24V
Penalty/Default Trigger : If your payment is received late, you fail to pay at least the minimum due, your payment is not honored by your bank, or your balance exceeds your credit card line.
Maximum Default APR :
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	00.00% 6 months None 03.00% N/A $5.00 $50.00 (intro only)	19.99 V N/A None N/A 03.00% $10.00 None

Rebate Description: Barclays will request that AirTran Airways award to the Primary Applicant one credit for each 1,000 points accumulated on the account, provided the account is open and current on the statement closing date for the statement in which the credit is earned. For the AirTran Airways A+ Visa Platinum card and for the AirTran Airways No Annual Fee Visa Signature Card, one point is awarded for every $1 spent on AirTran Airways travel and one point is awarded for every $2 of net purchases everywhere else. For the $39 Annual Fee AirTran Airways A+ Visa Signature card, two points are awarded for every $1 spent on AirTran Airways travel and one point is awarded for every $1 of net purchases everywhere else. AirTran Airways A+ Visa Platinum and No Annual Fee AirTran Airways Visa Signature cardmembers will, upon the first use of the account for a purchase or balance transfer, receive 2 credits. AirTran Airways A+ Visa Signature with $39 Annual Fee cardmembers will receive 10 credits upon the first use of the account for a purchase or balance transfer. Cardmembers will earn one point for every one dollar in balances transferred to your AirTran Airways A+ Plus Visa requested in the first 30 days after the account is opened, up to a maximum of 10,000 points. Convenience Checks do not qualify for points. Net Purchases does not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of Barclays Checks, or by any other means.
Special Notes: Purchase of money orders, travelers checks, foreign currency, lottery tickets, gambling chips, or wire transfers: 3% of the amount of the purchase, $10 minimum, no maximum.

Alaska Airlines Visa® Platinum Plus

PO Box 53132 Phoenix, AZ 85072

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 9.99%
Purchase APR : 13.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : $15,000.00
Annual Fee : $50.00
Over-the-Limit Fee : $15 - $39 based on the highest acct balance during the cycle. depending on balance
Late Payment Fee : $19 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A None 03.00 % N/A None None	19.74% N/A None N/A 3.00% $10.00 None

Rebate Description: 5,000 Bonus Miles upon approval. One round-trip $50 (USD) Companion Ticket upon approval and then another every year. Earn 1 mile for every net retail purchase dollar spent. There is no limit to the number of Miles you can earn with a Signature or Platinum Plus Card.
Special Notes: Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, casino gaming chips and money orders, foreign currency and travelers checks from a non-financial institution: 3% of each such purchase (minimum $10).

Alaska Airlines Visa® Preferred

PO Box 53132 Phoenix, AZ 85072

Card issued by : Bank of America
Card Type : Visa
Card Class : Classic/Standard
Card Category : Airline/Travel Rewards
Margin Index : Prime + 10.99%
Purchase APR : 14.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : $4,000.00
Annual Fee : $35.00
Over-the-Limit Fee : $15 - $39 based on the highest acct balance during the cycle. depending on balance
Late Payment Fee : $19 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A none 03.00 % N/A None None	19.24% N/A None N/A 3.00% $10.00 None

Rebate Description: 3,000 Bonus Miles upon approval. Earn 1 mile for every $1 of Net Purchases. Earn up to 50,000 miles each calendar year based on net purchases. Miles are not earned on cash advances, balance transfers, fees, finance charges, late fees or other charges. No miles are earned if the Account is in default as defined in the Cardmember Agreement.
Special Notes: Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, casino gaming chips and money orders, foreign currency and travelers checks from a non-financial institution: 3% of each such purchase (minimum $10).

Alaska Airlines Visa® Signature

PO Box 53132 Phoenix, AZ 85072

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 7.99%
Purchase APR : 11.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : $25,000.00
Annual Fee : $75.00
Over-the-Limit Fee : None for Signature ($39 for platinum) depending on balance
Late Payment Fee : $19 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A None 03.00 % N/A None None	19.24% N/A None N/A 3.00% $10.00 None

Rebate Description: Limited Time Offer - 20,000 Bonus Miles upon approval when you apply online. One round-trip $50 (USD) Companion Ticket upon approval and then another every year. There is no limit to the number of Miles you can earn with a Signature or Platinum Plus Card.
Special Notes:

Amalgamated Bank MasterCard Personal Gold Plus

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Gold
Card Category : Low Rate
Margin Index : Prime + 7.50%
Purchase APR : 10.75%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $45.00
Over-the-Limit Fee : $30.00 depending on balance
Late Payment Fee : $30.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 02.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard?.
Special Notes: $40,000 minimum annual income. Optional Amalgamiles program ($29 a year).

Amalgamated Bank MasterCard Personal Standard Plus

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Low Rate
Margin Index : Prime + 07.75%
Purchase APR : 11.00%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $37.00
Over-the-Limit Fee : $30.00 depending on balance
Late Payment Fee : $30.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 2.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard?.
Special Notes: Required minimum annual income: $15,000 ($12,000 for retirees). Optional Amalgamiles program ($29 a year).

Amalgamated Bank MasterCard Secured Gold

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Gold
Card Category : Poor/No Credit
Margin Index : Prime + 9.50%
Purchase APR : 12.75%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000.00
Maximum Credit Limit : $15,000.00
Annual Fee : $50.00
Over-the-Limit Fee : $30.00 depending on balance
Late Payment Fee : $30.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 2.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard.
Special Notes: $40,000 minimum annual income. Optional Amalgamiles program ($29 a year). No application fee. Line of credit equal to deposit.

Amalgamated Bank MasterCard Secured Standard

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Poor/No Credit
Margin Index : Prime + 13.00%
Purchase APR : 16.25%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : $4,500.00
Annual Fee : $50.00
Over-the-Limit Fee : $30.00 depending on balance
Late Payment Fee : $30.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 2.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard?.
Special Notes: Required minimum annual income: $15,000 ($12,000 for retirees). Optional Amalgamiles program ($29 a year). No application fee. Line of credit equal to deposit.

Amalgamated Bank MasterCard Personal Gold

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Gold
Card Category : Regular
Margin Index : Prime + 9.50%
Purchase APR : 12.75%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $20.00 depending on balance
Late Payment Fee : $25.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 2.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard.
Special Notes: $40,000 minimum annual income. Optional Amalgamiles program ($29 a year).

Amalgamated Bank MasterCard Personal Standard

One West Monroe Street Chicago, IL 60603

Card issued by : Amalgamated Bank of Chicago
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Regular
Margin Index : Prime + 11.00%
Purchase APR : 14.25%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $30.00 depending on balance
Late Payment Fee : $30.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None N/A N/A None None	N/A N/A None N/A 2.50% $2.50 $30.00

Rebate Description: Once enrolled earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank MasterCard.
Special Notes: Required minimum annual income: $15,000 ($12,000 for retirees). Optional Amalgamiles program ($29 a year).

Amazon.com Platinum Visa® Card

270 Park Ave New York, NY 10017

Card issued by : Chase Bank, USA NA
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : Prime + 9.99 - 15.99%
Purchase APR : 13.24- 19.24%
Finance Calculation Method : Two-Cycle Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A None 3% N/A $5 $99	19.24% N/A None N/A 3% $10 None

Rebate Description: Earn 3 points for card purchases made at Amazon.com and 1 point for all other card purchases. Once you reach 2,500 points, automatically receive a $25 Amazon.com Reward Certificate. Points are not earned on balance transfers, cash advances, finance charges, overdraft advances, convenience checks, money orders, unauthorized or fraudulent charges, or fees of any kind, incl. fees for products that protect the balances of your Account. Triple points apply only to purchases where "Amazon.com" appears as the merchant on your monthly transaction statement, other than Borders and Waldenbooks teamed with Amazon.com. It does not incl. purchases where payments are made directly to sellers, such as Auctions or zShops sellers, or other merchants and affiliates who process their own credit card payments.
Special Notes: The minimum gross annual income required for an account is $14,400. You must be at least 18 years old to qualify (19 in AL and NE).

American Express Blue

200 Vesey Street New York, NY 10285

Card issued by : American Express
Card Type : AmEx
Card Class : Classic/Standard
Card Category : General
Margin Index : Prime + 6.99 - 13.99%
Purchase APR : 10.24- 17.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $19 - $38 depending on the balance depending on balance
Penalty/Default APR : 18.24%
Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
Maximum Default APR :27.24%
Universal Default Clause : No
Foreign Currency Fee : 2%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% Up to 12 months 10.24- 17.24% N/A N/A N/A N/A	2.99% Up to12 months None 3% N/A $5 $99	21.24% N/A None N/A 3% $5 None

Rebate Description: Fee-free rewards program.
Special Notes: Not offered in Puerto Rico. Dishonored Check Fee: $38. Wire Transfer Fee: $15. Stop Payment Order Fee: $29. Statement Copy Fee: $5.

American Express Blue Cash

40 Wall Street New York, NY 10005

Card issued by : American Express
Card Type : AmEx
Card Class : Classic/Standard
Card Category : Cash Back
Margin Index : Prime + 7.99 - 13.99
Purchase APR : 11.24- 17.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $19 - $38 depending on the balance depending on balance
Penalty/Default APR : 18.24%
Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
Maximum Default APR :27.24%
Universal Default Clause : No
Foreign Currency Fee : 2%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 12 months 20 days N/A N/A N/A N/A	2.99% 12 months None 3% N/A $5 $99	21.24% N/A None N/A 3% $5 None

Rebate Description: 5% back on gas purchases. Annual cash reward for everyday purchases at stand-alone U.S. supermarkets, drugstores, and gas stations is up to 5%. Annual cash reward for all other purchases is up to 1.5%. Cash rewards are limited to $50,000 of eligible spending.
Special Notes: Dishonored Check Fee: $38. Wire Transfer Fee: $15. Stop Payment Order Fee: $29. Statement Copy Fee: $5. Applicable Balance Transfer fees will apply to balances transferred after the introductory offer.

American Express Blue for Students

200 Vesey Street New York, NY 10285

Card issued by : American Express
Card Type : AmEx
Card Class : Classic/Standard
Card Category : Student
Margin Index : Prime + 7.99%
Purchase APR : 11.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
Over-the-Limit Fee : $35.00 depending on balance
Late Payment Fee : $19 - $38 depending on the balance depending on balance
Penalty/Default APR : 18.24%
Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
Maximum Default APR :27.24%
Universal Default Clause : No
Foreign Currency Fee : 2.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	8.90% 6 months 25 days N/A N/A N/A N/A	None N/A none None for this offer N/A None None	21.24% N/A None N/A 3.00% $5.00 None

Rebate Description: Discounts on shopping, dining and travel at many of your favorite brands, as well as discounts at local merchants in your area.
Special Notes: Nationally offered except in Iowa and Puerto Rico. Dishonored Check Fee: $38. Wire Transfer Fee: $15. Stop Payment Order Fee: $29. Statement Copy Fee: $5.

American Express Optima

200 Vesey Street New York, NY 10285

Card issued by : American Express Travel
Card Type : AmEx
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 6.00%
Purchase APR : 11.00%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $19 - $38 depending on the balance depending on balance
Penalty/Default APR : 17.99% V
Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
Maximum Default APR :26.99% V
Universal Default Clause : No
Foreign Currency Fee : 2.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0.00% 6 Months 25 Days N/A N/A N/A N/A	8.90% Life of Balance N/A None with offer but fee later N/A None for offer but have fee later None	19.99% V N/A None N/A 3.00% $5.00 None

Rebate Description: Earn one point for virtually every dollar you charge with the Optima Card. Points may be redeemed for entertainment, retail, and travel rewards as well as once in a lifetime experiences.
Special Notes: Not available in Puerto Rico.

American Express Platinum Card®

C/O New Accounts PO Box 31514 Salt Lake City, UT 84131

Card issued by : American Express Centurion Bank
Card Type : AmEx
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A
Purchase APR : N/A
Finance Calculation Method : N/A
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $450.00
Over-the-Limit Fee : N/A depending on balance
Late Payment Fee : $35 or 2.99% of delinquent balance. depending on balance
Penalty/Default APR : N/A
Penalty/Default Trigger : N/A
Maximum Default APR :None
Universal Default Clause : N/A
Foreign Currency Fee : 2.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A None N/A N/A N/A N/A	N/A N/A None N/A N/A None None	N/A N/A None N/A None None None

Rebate Description: Earn 25,000 Membership Rewards ® bonus points when you spend $1,000 in 3 months - Redeemable for one domestic round-trip airline ticketEarn 1 Membership Rewards point for virtually every dollar you charge to your Platinum Card. Redeem points for rewards from some of the finest names in shopping and for travel rewards, including flights, stays at hotels worldwide, vacation packages, and more. Transfer points into the frequent flyer programs of select partner airlines at a 1:1 ratio and into the frequent guest programs of several major hotels. Fly virtually any airline without blackout dates when you book with Platinum Travel Services. Points have no expiration date, and there is no limit to the number of points you can earn.
Special Notes: All charges made on this Charge Card are due and payable when you receive your billing statement. By Invitation Only-access to exclusive, once-in-a-lifetime events available only to Platinum and Centurion members.

American Express® Preferred Rewards Green Card

C/O New Accounts PO Box 31514 Salt Lake City, UT 84131

Card issued by : American Express Centurion Bank
Card Type : AmEx
Card Class : Classic/Standard
Card Category : Regular
Margin Index : N/A
Purchase APR : N/A
Finance Calculation Method : N/A
Minimum Credit Limit :
Maximum Credit Limit :
Annual Fee : $95.00
Over-the-Limit Fee : N/A depending on balance
Late Payment Fee : $35 or 2.99% of delinquent balance depending on balance
Penalty/Default APR : N/A
Penalty/Default Trigger : N/A
Maximum Default APR :None
Universal Default Clause : N/A
Foreign Currency Fee : 02.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A None N/A N/A N/A N/A	N/A N/A None N/A N/A None None	N/A N/A None N/A None None None

Rebate Description: Earn 5,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $50 gift card. Transfer points to 17 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs
Special Notes: All charges made on this Charge Card are due and payable when you receive your billing statement. Access to world-class Gold Card Events, Free Shipping and Handling on select online and catalog purchases, a Year End Summary of Charges, Global Assist Plus Hotline.

American Express® Rewards Plus Gold Card

C/O New Accounts PO Box 31514 Salt Lake City, UT 84131

Card issued by : American Express Centurion Bank
Card Type : AmEx
Card Class : Gold
Card Category : Airline/Travel Rewards
Margin Index : N/A
Purchase APR : N/A
Finance Calculation Method : N/A
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $125.00
Over-the-Limit Fee : N/A depending on balance
Late Payment Fee : $35 or 2.99% of delinquent balance. depending on balance
Penalty/Default APR : N/A
Penalty/Default Trigger : N/A
Maximum Default APR :None
Universal Default Clause : N/A
Foreign Currency Fee : 2.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A None N/A N/A N/A N/A	N/A N/A None N/A N/A None None	N/A N/A None N/A None None None

Rebate Description: Earn 1 point for virtually every $1 spent on Card purchases, 2 points for virtually every $1 spent at stand-alone supermarkets, gas stations, drugstores, the U.S. Postal Service (excl. bulk mail), or to pay your wireless phone bill. Earn 2 points for virtually every $1 charged on purchases with our Membership Rewards airline and hotel partners during your 1st year of Card membership, and 1.5 points for virtually every $1 charged with these partners thereafter. Redeem points for rewards from 21 airlines, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats. Transfer points into 11 frequent flyer programs. Redeem points for rewards from over 50 names in shopping and entertainment. Points have no expiration date or limit.
Special Notes:

Apple Bank Platinum Plus® Visa® Credit Card

PO Box 1606 New York, NY 10023

Card issued by : Apple Bank for Savings
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A
Purchase APR : 9.99-15.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
Over-the-Limit Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 29.99%
Penalty/Default Trigger : If late or over the limit
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 20 days N/A N/A N/A N/A	0% 12 months None 3.00% N/A $10.00 None	19.99% N/A None N/A 3.00% $10.00 None

Rebate Description: Earn 1 point for every $1 in net retail purchases. Redeem 5,000 Points for $25 cash. Redeem 13,000 Points for a $100 Old Navy Gift Card. Redeem 25,000 Points for a round-trip airline ticket within the 48 continental U.S. states. Points are not earned on cash advances, balance transfers, or fees of any kind.
Special Notes: The APR will depend on your credit rating. Total Household Income of $15,000 or greater. There is a transaction fee of 3% ($10 min.) for purchases of wire transfers, person-to-person money transfers, bets, lottery tickets, casino gaming chips, money orders

Astoria Federal Savings WorldPoints® Platinum Plus®

201 N Walnut Wilmington, DE 19801-3921

Card issued by : Astoria Federal S & LA/MBNA America Bank, N.A.
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A
Purchase APR : 12.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $2,000.00
Maximum Credit Limit : $100,000.00
Annual Fee : $0
Over-the-Limit Fee : depending on balance
Late Payment Fee : depending on balance
Penalty/Default APR : Up to 29.99%
Penalty/Default Trigger : Any time the minimum payment is late, or the credit limit is exceeded, the default APR may be applied to future and outstanding balances.
Maximum Default APR :29.99%
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 20 days N/A N/A N/A N/A	3.99% 4 months None 3.00% N/A $10.00 $75.00	12.99% N/A None N/A 3.00% $10.00 $75.00

Rebate Description: Earn 1 Point for every $1 in purchases. Redeem WorldPoints for travel, merchandise, and unlimited cash rewards now with online redemption.
Special Notes: Must be at least 18 years of age and either a United States citizen or a permanent resident of the U.S., or at least 21 years of age and a permanent resident of Puerto Rico. If you qualify for a credit limit of less than $2,000.00 you will be offered a different card. Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, casino gaming chips

AT&T Universal Savings & Rewards Card

200 Brookstone Centre Ste 110 Columbus, GA 31904

Card issued by : Citi Bank
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Margin Index : Prime + 4.99%-12.99%
Purchase APR : 08.24-16.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on acct balance. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : APRs may increase to Default APR if default under any agreement with Citi because of not making payment when due, exceeding the credit line, or making payment that is not honored.
Maximum Default APR :Prime + 23.99%
Universal Default Clause : No
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 20 days N/A N/A N/A N/A	0% 6-12 months None 3% N/A $5 None	21.99% N/A None N/A 3% $5 None

Rebate Description: Your credit card can also be used as a calling card and you will receive up to 30 free phone minutes per month, anytime, anywhere, as well as 2 free directory assistance inquiries each month. Receive 6,000 bonus Thank You Points after your first purchase (must be made within first 3 months). Earn 5 reward points for every $1 spent on eligible AT&T products and services. Earn 1 point for every $1 on all other purchases.
Special Notes: Wireless phone loss and theft insurance reimbursement for replacement coverage. Citi Identity Theft Solutions. To receive a AT&T Universal Platinum Card, you must have an annual income of at least $12000 and you must meet our credit qualification criteria.

AT&T Universal Savings Platinum Card®

200 Brookstone Centre Ste 110 Columbus, GA 31904

Card issued by : Citi, N.A
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Margin Index : Prime + 03.99 - 08.99%
Purchase APR : 07.24-14.24% V
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24% V
Penalty/Default Trigger : If you default under any card agreement you have with Citi because you: do not make the minimum payment when due, go over the credit line, or make a payment to Citi that is not honored, all your APRs may automatically increase to the default APR. They set your default APR by reviewing (1) the seriousness of your default with Citi and (2) your credit history.
Maximum Default APR :29.99%
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A None N/A N/A N/A N/A	0.00% 6-12 months 20 days 03.00% N/A $5 None	21.99% V N/A None N/A 03.00% $5 None

Rebate Description: N/A
Special Notes: Up to 10% savings for the first 12 months on AT&T purchases. Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits.

Avon Platinum Visa® Credit Card

1111 Polaris Parkway Columbus, OH 43240

Card issued by : JP Morgan and Chase
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : Prime + 5.99% - 14.99%
Purchase APR : 9.24% - 18.24%
Finance Calculation Method : Two-Cycle Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
Maximum Default APR :Prime Rate plus up to 23.99%
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0.00% 6 months 20 days N/A N/A N/A N/A	0.00% 6 months None 3.00% N/A $5.00 $99.00	19.24% N/A None N/A 3.00% $10.00 None

Rebate Description: Earn 1 point for every $1 charged. For every 2,500 points earned, receive a $25 Avon Beauty Rewards Certificate redeemable for Avon products. Receive an Avon Product valued at $25 after the 1st purchase is made. Cardmembers do not earn Avon Beauty Rewards points on convenience checks, balance transfers, cash advances, finance charges, unauthorized charges, fees of any kind such as late payment fees, annual fees, overlimit fees, balance transfer fees, convenience check fees, cash advance fees or fees for products that protect or insure the balances of the account. Points will be deducted for any returns or credits made on the account.
Special Notes: The minimum gross annual income required for an account is $14,400. You must be at least 18 years old to qualify (19 in AL and NE).