Individual

intro purchase APR no intro offerregular APR15.74 - 19.74% (V)
intro BT APR 15.74-19.74% 3% BT fee $5 min
rewards 1 or 5 points per dollar +35,000 welcome bonus
  • earn 5x points on reservations directly at Starwood Preferred Guest program hotels:
  • you get 3 points as a program member
  • you get 2 points as a cardmember 
  • 1 point per dollar on all other purchases
  • 25,000 points if you spend $3,000 in the first 3 months of the card
  • extra 10,000 bonus Starpoints after you make an additional $2,000 in purchases within the first 6 months
excellent required

$95 annual fee, waived for the first year

best hotel rewards program

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intro purchase APR 0% for 12 monthsregular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months 13.49-23.49
rewards 1 2 3 points per $1 +20% monthly

basic card:

  • get 2x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • earn 20% bonus on your points if you use a card at least 20 times a month

Preferred card:

  • get 3x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • 2x points at US gas stations
1 point per $1 on all other purchases for both card versions
good credit required

no annual fee for the basic card

$95 annual fee for Preferred card

up to 2.2-4.5x points on every dollar

10,000-15,000 intro bonus

free Amazon Prime membership

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intro purchase APR 0% for 12 monthsregular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1% 2% 3% on $1 +$100 bonus
  • earn 3% back at US supermarkets (limited by $6000 spending annually, then 1%)
  • 2% on gas and in selected department stores
  • 1% back on all other purchases
  • $100 sign up bonus after spending $1000 in purchases in the first 3 months
good credit required

no annual fee

up to 2-3% cash back

Amazon Prime membership free

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intro purchase APR 0% for 12 monthsregular APR15.49 - 23.49% (V)
intro BT APR 15.24-23.24% 3% min $10
rewards 1.5 points/$1 +20,000 intro bonus
  • earn 1.5 points for every $1 on all purchases
  • get 20,000 signup bonus after spending $1000 in the first 3 months
  • redeem points as a statement credit to offset your travel spending balance 
excellent required

no annual fee

1.5% rewards rate on all purchases

20,000 intro bonus

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intro purchase APR no intro offerregular APR9.25% (V)
intro BT APR 9.25% no BT fee
excellent required

Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Low 9.25% variable standard purchase APR and platinum benefits

No balance transfer fee for balances transferred in response to this online offer

No Annual Fee

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