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                | Credit Cards Offering 
                            Merchandise Rewards |  
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                | Many credit cards offer their users 
                the chance to use their purchasing power to earn free 
                merchandise. These cards offer "points" for using the card for 
                everyday purchases which can be redeemed for merchandise 
                certificates. 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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                                            0% APR* on balance transfers and 
                                            purchases for 12 months
                                            
                                              The 0% APR does not apply to 
                                              cash advances The 0% APR may increase if you 
                                              default under any cardmember 
                                              agreement you have with us because 
                                              you pay us late, go over your 
                                              credit limit, or have a returned 
                                              check Your payments will be applied 
                                              to low APR balances before higher 
                                              ones No annual fee  |  
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                                            Start out with a great wedding 
                                            gift - 5,000 Membership Rewards® 
                                            points the first time you use the 
                                            Card, which can be redeemed for a 
                                            $50 gift card. Earn an additional 10,000 bonus 
                                            points when you spend over $15,000 
                                            on the Card annually. Track all of your wedding - 
                                            related expenses with the Card on 
                                            one monthly statement. No annual fee. Pay over time or 
                                            in full. Exclusive Welcome Gift: Plan 
                                            every detail of your wedding with 
                                            The Knot Wedding Planning Kit, 
                                            including The Knot wedding binder, 
                                            where you can manage wedding ideas, 
                                            budgets, guest lists, to-do's and 
                                            more.  |  
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                                            Start out with a great 
                                            nest-warming gift - 5,000 Membership 
                                            Rewards® points the first time you 
                                            use the Card, which can be redeemed 
                                            for a $50 gift card. Earn an additional 10,000 bonus 
                                            points when you spend over $15,000 
                                            on the Card annually. No annual fee. Pay over time or 
                                            in full. Exclusive Welcome Gift: The Nest 
                                            Planning Kit, filled with many 
                                            helpful items to get the two of you 
                                            started including The Nest planning 
                                            binder, designed to help you 
                                            organize and manage home expenses 
                                            and joint finances  |  
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                                            Earn 3 Points 
                                            for every eligible $1 spent in 
                                            purchases at:
                                            
                                              Grocery Stores: Stock up on 
                                              food, household goods and more
                                              Gas Stations: Use your card 
                                              for fuel, repairs, car washes, and 
                                              other purchases Quick Service Restaurants: 
                                              Rewards add up fast from pizza to 
                                              hamburgers to tacos - even 
                                              sandwich shops, coffee houses and 
                                              more Earn 1 Point 
                                            for every $1 spent in purchases 
                                            everywhere else Reward yourself 
                                            with as few as 1,000 Points
                                            Save with 0% APR* for up 
                                            to 6 months** and 
                                            No Annual Fee  Chase Freedom 
                                          gives you the power to choose the 
                                          rewards you want and the freedom to 
                                          change your mind. |  
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                                            500 bonus points after your 
                                            first purchase. Mini Card available 1 point for every dollar you 
                                            spend on everyday purchases Rewards begin at just 750 points
                                            Earn points toward veterinary 
                                            services, pet food discount 
                                            certificates, and shelter donations
                                            Earn two PetRewards Points for 
                                            each dollar you spend at 
                                            participating veterinary clinics, 
                                            pet food retailers, farm and feed 
                                            stores, and neighborhood pet 
                                            specialty stores  *See website for complete terms and 
                                          conditions of card usage and 
                                          application disclosure. |  
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                | Also see: (Low Interest, 
                
                            
                            Cash Back Rewards,
                            
                            Balance Transfer) |  
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