Individual

intro purchase APR no intro offerregular APR14.49 - 24.49% (V)
intro BT APR 14.49-24.49% 3% BT fee $5 min
rewards 1-2-3 points/$1 +20,000 sign-up bonus
  • earn 2 points per dollar on your category of choice (gas, groceries or airlines) and cell phone bills
  • 1 point per dollar on everything else
  • 3 points for qualifying charitable donations
  • no annual fee first year

 

excellent required

$49 annual fee, $0 first-year fee

no annual fee option (Flex Points card)

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intro purchase APR N.A.regular APR19.49% (V)
intro BT APR 19.49% 5% BT fee min $5
bad credit required

$25 annual fee

25 days grace period

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intro purchase APR 0% for 6 months on Disneyregular APR16.49% (V)
intro BT APR 16.49% 3% BT fee $5 min
rewards 1-2 points/$1 +$200 bonus
  • 2% back on gas, groceries, restaurants and Disney of course
  • 1% back on everything else
  • get $200 as a statement credit after spending $500 in the first 3 months of the account

 

 

good credit required

$49 annual fee

10% off on Disney purchases

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intro purchase APR no intro offerregular APR15.99% (V)
intro BT APR 15.99% 3% BT fee $5 min
rewards 1x-2x points on $1 + 12,000 points intro
  • get 2x points on Amtrak purchases
  • 1x on all other purchases
  • plus 12,000 points sign up bonus after spending $500 in the first 3 months

 

good credit required

no annual fee

2x points on Amtrak

12,000 welcome bonus

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intro purchase APR 0% for 12 monthsregular APR13.24 - 23.24% (V)
intro BT APR 2.99% intro for 12 months 3% BT fee $10 min
rewards 1-3 points/$1 
  • 3x points on AAA and travel purchases
  • 2x points on gas and groceries
  • 1 point on all other purchases

 

 

good credit required

no annual fee

get AAA points for purchases

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