Ryan Hozeska Kyle Taylor Joe Hart

What’s in Your Wallet?

 No Transfer, annual, transaction fee  Return Payment fee up to $35  Late payment fee up to $45  Penalty APR 29.4%  Cash Advance fee 3%: not less then $10

 1.25 miles per $1 on every purchase (airline)  Airline miles do not expire  No limit to miles you can earn  You can redeem miles for flights, car rentals, ect.

 0% introductory APR through 11/2014, after that your APR will rise to 11.9%,15.9%,or 19.9% depending on your credit score.

 No annual fee  Up to $35 late fee and return payment fee  Cash advance up to 5%: $10 minimum  3% of each balance transfer fee $5 minimum  Penalty APR 29.99%

 5 point per $1 at super markets, drug store, and gas stations for the first year  1 point per $1 on any other purchases  Points can be used for resale tickets, entertainment, and preferred seating

 0% APR for 18 months then it rises to 11.99%-21.99% depending on credit score

 What’s in Your Wallet?

 Annual Fee 39$  No Transfer or Foreign fee  3% of cash advance; not less than $10  Returned and Late Payment fee 35$  Penalty APR 29.4%

 Earn unlimited 1.5% cash back without any catches

 0% intro APR until August 2014; 22.9% variable APR after that  This card is for people with average credit

 What’s in Your Wallet?

 No annual fee  No transfer fee or foreign transaction fee  3$ of cash advance; no less than 10$  35$ late and returned payment fee  Penalty APR 29.4%

 1% cash back on all purchases  Plus, get a 25% bonus on the cash back you earn each month when you pay your bill on time  Earn unlimited cash back that doesn't expire

 Students will need average credit  This card help students create a credit

Card 1Card 2Card 3Card 4 Interest Rate, APR 1000 X 15.9%= ($159) Late Fee($35) Bonus Cash1000 X 1% = ($10) Penalty APR Return Payment Total