Green Light
Proceed through a Green Light without hesitation, would get any card identified with a green light without giving it a second thought. All these are elite Credit Cards

Yellow Light
Proceed through a Yellow Light with hesitation but still run a yellow 9/10 times, would get any card identified with a yellow light but think twice or take a step back before applying

Red Light
Proceed through a Red Light with a good reason (wife’s about to give birth) would only get a card identified with a red light for a GOOD reason (going on a cruise or need to build your credit)

US BANK PLATINUM CARD

Pros:

-No annual fee
-0% intro APR for 20 billing cycles on purchases and balance transfers
-Cell Phone Protection Plan
-Choose your payment due date

Cons:

-No cash back or rewards earned on spend
-Minimum interest charge is $2, 4x the Citibank minimum interest charge
-3% Foreign Transaction Fee

WELLS FARGO PLATINUM CARD

Pros:

-No annual fee
-0% intro APR on purchases and balance transfers for 18 months
-Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Accident Insurance, Travel and Emergency Assistance Services, Cell Phone Protection

Cons:

-No intro bonus or point accrual
-Cannot apply if you’ve opened a Wells Fargo credit card in the past 6 months
-May not be eligible for the intro APR or bonus rewards if you’ve opened a Wells Fargo Credit Card within the last 15 months
-3% foreign transaction fee

CITI DIAMOND PREFERRED

Pros:

-0% intro APR on purchases for 12 months
-0% intro APR for 21 months on balance transfers
-No annual fee
-No late fees or penalty rate

Cons:

-No intro bonus or point accrual
-If you make a balance transfer interest will be charged on your purchases after 12 months unless you pay your entire balance (including the balance transfer) off
-Balance transfers must be completed within 4 months of opening the account
-3% Foreign Transaction Fees
-5% balance transfer fee

CITI SIMPLICITY PREFERRED

Pros:

-0% intro APR on purchases for 12 months
-0% intro APR for 21 months on balance transfers
-No annual fee
-No late fees or penalty rate

Cons:

-No intro bonus or point accrual
-If you make a balance transfer interest will be charged on your purchases after 12 months unless you pay your entire balance (including the balance transfer) off
-Balance transfers must be completed within 4 months of opening the account
-3% Foreign Transaction Fees
-5% balance transfer fee

CAPITAL ONE PLATINUM

Pros:

-Access to a higher credit limit after making your first 5 monthly payments on time
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty

Cons:

-No intro bonus or point accrual on purchases
-High APR so need to make sure your statement balance is paid each month
-Only for individuals trying to build credit and can’t get approval for any other cards (Last Resort!)

BARCLAYS FINANCING VISA

Pros:

-Get special financing on apple purchases made within 30 days of account opening (promo period is based on purchase amount; 6 months if less than $499, 12 months if $499 to less than $999, 18 months for $999 and over)
-No annual fee

Cons:

-Intro benefit exclusive to purchasing an apple product and might not even be 0%
-No point accrual on purchases
-3% Foreign Transaction fees