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                | Credit Cards Offering Entertainment Rewards | 
              
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                | Many credit cards offer their users 
                            the chance to use their purchasing power to earn 
                            free entertainment . These cards offer "points" for 
                            using the card for everyday purchases which can be 
                            redeemed for entertainment purchases. 
                            Our 
                            Assessment:Credit Cards which offer rewards are an excellent 
                            way to turn normal spending into free merchandise, 
                            cash, travel and entertainment. We recommend having 
                            and using rewards cards especially for those 
                            cardholders who pay off their balance each month. People 
                            who maintain a balance on their credit cards should 
                            consider a low APR card as a more economical 
                            alternative.
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                | Also see: (Low Interest, 
                
                            
                            Cash Back Rewards,
                            
                            Balance Transfer) | 
              
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                                          | Now there's a card 
                                          that offers more of the privileges you 
                                          deserve—the new AT&T Universal 
                                          Platinum Card. It gives you a 0% APR 
                                          on balance transfers for 12 months, so 
                                          you have more ways to manage your 
                                          finances and save. Plus, it comes with 
                                          special benefits that make life a 
                                          little easier. Protection - enjoy 
                                          fraud protection. 
                                            Wireless phone loss and theft 
                                            insurance reimbursement for 
                                            replacement coverage Citi® Identity Theft Solutions
                                            Fraud Early Warning $0 Liability Protection on 
                                            unauthorized purchases  |  
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                                            Earn one INSIDESM 
                                            Rewards point for virtually every 
                                            eligible dollar you spend in New 
                                            York City. Points have no expiration date 
                                            and you can redeem points for 
                                            rewards in New York. Option to carry a balance 0% APR for 6 months |  
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                                            Earn one INSIDESM 
                                            Rewards point for virtually every 
                                            eligible dollar you spend, whether 
                                            you're in Chicago or not. Points have no expiration date 
                                            and you can redeem points for 
                                            rewards in Chicago, New York and Los 
                                            Angeles. 0% APR for 6 months No Annual Fee |  
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                                            Earn one INSIDESM 
                                            Rewards point for virtually every 
                                            eligible dollar you spend, whether 
                                            you're in Los Angeles or not. Points have no expiration date 
                                            and you can redeem points for 
                                            rewards in Los Angeles, Chicago and 
                                            New York. 0% APR for 6 months No Annual Fee |  
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                                          | Rewards - Earn up to 5 
                                          ThankYouSM Points on 
                                          eligible purchases.1 
                                            Redeem your points for a variety 
                                            of great rewards such as travel, 
                                            merchandise, gift cards, and more 
                                            through ThankYou Network.1
                                            5 ThankYou Points 
                                            for every dollar spent on eligible 
                                            AT&T products and/or services.2
                                            1 ThankYou Point 
                                            for every dollar spent on all other 
                                            purchases. Receive 6,000 bonus 
                                            ThankYou Points after your 
                                            first purchase, made within first 3 
                                            months, redeemable for your choice 
                                            of a $50 Gift Card or other great 
                                            rewards.1   |  
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                | Also see: (Low Interest, 
                
                            
                            Cash Back Rewards,
                            
                            Balance Transfer) | 
              
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