SM Test – Mortgage Refi

[TEST] ^{Test Credit Offer2}

Ongoing APR:^{4.5% Apr Standard}

Rewards:Cashbackx ( per dollar)

Annual Fee:²⁰⁰

[TEST] Discover it^® Cash Back

Intro bonus:N/A*

Intro APR:0% on Purchases and Balance Transfers for 15 months

Ongoing APR:18.24% - 27.24% Variable APR

Rewards:5% (cash back)

Annual Fee:$0

[TEST] Citi Rewards+^® Card

Intro bonus:N/A*

Ongoing APR:17.74% - 27.74% (Variable)

Rewards:5% (cash back)

Annual Fee:$0

[TEST] American Express^® Gold Card

Intro bonus:N/A*

Ongoing APR:See Pay Over Time APR

Rewards:5% (cash back)

Annual Fee:$325

USAA^® Rewards™ Visa Signature^® Card

Ongoing APR:12.15% - 28.15% Variable

Rewards:1x - 2x (Points per dollar)

Annual Fee:$0