This document discusses options for a new United Bank credit card, including whether to offer a low-interest rate card or a rewards card. It provides details on the features and requirements of United Bank's current Visa Platinum card, as well as competitors' cards. It also outlines two potential card options - a Simply Low Rates card with introductory and subsequent APRs, and an Earn Rewards card that allows customers to earn points through spending, payments, and other activities that can be redeemed in various ways. The document seeks feedback on how to design the card application process and address any obstacles to approval.