1. Credit Card Offer: Shop Around Greg Bush and James Colpean

2. Terms and Conditions: – Up to 5% added to APR every time late payment made – If account is closed/inactive for 18 months, all travel rewards lost – No grace period on balance transfers Travel your way

3. Miles by Discover Card Rewards: – 12,000 Bonus Miles (12,000 is the cap) – Double Miles on first $3,000 for travel (2 miles per $) and 1 mile per dollar past $3000 – Unrestricted travel through any airline, travel agent, or travel website

4. Miles by Discover Card Fees – $10 of 5% on cash advance (whichever amount is greater) – $35 Return Fee – $35 Late Payment Fee – No Annual Fee

5. Gold Delta Skymiles Terms and Conditions: – If there are additional “cardmembers” sharing your account, you are responsible for paying their charges – Limit of $25,000 balance transfer in 180 days. Transfer may take up to 6 weeks. – Return Protection does not provide refunds for shipping and handling Extended warrantee on card purchases.

6. Gold Delta Skymiles Rewards: – 30,000 miles if $500 spent in first 3 months; 2 miles every Delta Purchase, 1 mile for all others – First bag checked free for up to 9 people – 20% off in-flight savings (meals, drinks, movies)

7. Gold Delta Skymiles Fees: – $35 Late Fee – $35 Return Payment Fee – $95 Annual Fee (after first year)

8. Capital One Venture Card Terms and Conditions: – Annual income > rent and mortgage payments – Minimum credit line of $5,000 – If balance is less than $25, the minimum payment is the balance amount. Get your feet there faster with double miles.

9. Capital One Venture Card Rewards: – 10,000 bonus miles if $1,000 spent in first 3 months (no cap and miles don’t expire) – Miles can be redeemed for cash, gift cards, other purchases, etc. – 2 miles earned on every dollar

10. Capital One Venture Card Fees: – $59 annual fee (after first year) – Cash advance fee of 3% (minimum $10) – Copies of statements: $3.00 – $35 Late payment fee – $35 Returned payment fee

11. Let’s Compare Miles from DiscoverGold Delta Skymiles from American Express Venture from Capital One APR20.99% $1000 x.2099 = $209.99 19.24% $1000 x.1924 = $192.4 20.9% $1000 x.209 = $209 Late Fee$35 Return Payment Fee $35 Bonus Cash$0 Annual Fee$0$95$59 Penalty APR24.99% $1000 x.2499 = $249.9 27.24% $1000 x.2724 = $272.4 29.4% $1000 x.294 = $294 TotalAPR: $279.99 P.APR: $319.90 APR: $357 P.APR: $437.40 APR: $338.00 P.APR: $423.00 *Note: maximum APR was used in calculations

12. The Verdict Miles by Discover – No annual fee makes it lowest cost card, even with slightly higher APR – Has lowest Penalty APR – Only card with unrestricted options for travel.