Table: Sizing Up the Plans

BABYMINT ( Members can direct rebates to any investment account or elect to get a quarterly check in the mail. Most participating retailers are online only.

EDEXPRESS ( Rebate money accrues interest in a trust and can be withdrawn tax-free for educational purposes. A $19.95 fee is deducted from the member's rebates each year.

UPROMISE ( Offers the most extensive network of retail partners, including 7,000 restaurants. Rebates go directly to one of Salomon Smith Barney's or Fidelity's Section 529 college-savings plans.

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