CARD/PHONE                      APR*                PERKS

AMERICAN EXPRESS CARD           7.75% first         Continental
FOR COLLEGE STUDENTS            90 days,            Airlines travel
800 582-5823                    then 15.65%         vouchers

AT&T UNIVERSAL                  17.3%               Also a calling card,
CARD FOR STUDENTS                                   with $50 of free
800 662-7759                                        calls on sign-up

CITIBANK COLLEGE CARD           8.9% for            Eight American
FOR STUDENTS                    9 months,           Airlines travel
800 950-5114                    then 17.15%         coupons

UNITED COLLEGE                  17.6%               One United Airlines
PLUS FIRST CARD VISA                                mile for every
800 537-7783                                        $2 charged