Individual

intro purchase APR no intro offerregular APR15.74 - 15.74% (V)
intro BT APR 15.74 3% BT fee $5 min
rewards 1-2-3 points per $1 + 50.000 points
  • get 50,000 points after spending $4,000 in the first 3 months
  • 3x points on air travel and hotels
  • 2x points for dining and entertainment

 

excellent required

$450 annual fee

50,000 intro bonus

lounge passes, global entry and more 

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intro purchase APR no intro offerregular APR14.49 - 23.49% (V)
intro BT APR 14.49-23.49% 3% BT fee $5 min
rewards 1-3 points/$1 +30,000 points
  • earn 2x points on dining, entertainment
  • 3x points on Air travel, hotels, travel agencies
  • 1 point\$1 on all other purchases
  • get 30,000 points after spending $3,000 in the first 3 months of the card

 

excellent required

$95 annual fee, waived for 1st year

30,000  bonus points 

1/2/3 points per dollar on different purchases

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intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR 24.99% no BT fee
bad credit / no credit required

no annual fee

bad credit or no credit 

25 days grace period

$49-$200 security deposit

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intro purchase APR no intro offerregular APR13.49 - 23.49% (V)
intro BT APR 13.49-23.49% no BT fee
rewards 2% per dollar +40,000 miles bonus
  • earn 2x miles on all purchases
  • get 40,000 miles bonus after spending $3,000 on a card in the first 3 months
  • redeem easily as a statement credit towards any travel expenses
good credit required

no first-year annual fee, $59 after

40,000 miles welcome bonus

2x miles on everything

Visa Signature status

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intro purchase APR no intro offerregular APR26.99% (V)
rewards 5c/10c per gallon 
bad credit required

no annual fee

can be used at 76, Conoco or Phillips only

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