For me, the second two are standouts - the lighting really works, particularly the tight lighting in the 3rd and the resultant falloff, which really emphasises the face.
I, personally, am not a fan of the soft glamour look used in the 4th - not sure why, just doesn't appeal to me, but I am aware a lot of other people like it.
With the first, I am guessing (often poorly) that the photo is about consumerism or credit cards, and therefore you are not wanting to show the card provider, however, I would suggest showing the front of the card may have more impact as it is less busy than the back of the card? I am not sure if I explained that properly, but I know what I mean.
