The best version is the cheapest version. I have a reference card and can OC to higher than even the Classified version. The FTW and Classified cards come with higher VRMs for better overclocking but it takes tinkering in ways you'll probably never go to get that extra bit out of the card.
I would get this one.
Also, Newegg does have credit in the form of their Preferred account. You can apply and you'll get a response pretty much instantly. 12 months no interest on products 500 and over, 6 months no interest on product 250 and over. If you want to apply, go to your account dashboard and select the preferred link on the left side to avoid a login bug.
To be clear, this card is a bad excuse of a reference and not the real reference card.
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