How to Earn Points and Miles for Free Travel
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Details
- Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms apply.
- 3X points at US supermarkets, on up to $6,000 per calendar year in purchases.
- 2X points at US gas stations and 1 point on all other purchases. Terms and limitations apply.
- Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
- Payment Flexibility: your Card gives you the option to carry a balance with interest or pay in full each month.
- Use Membership Rewards® points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
- 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 24.74%.
Pros
High rewards rate
Generous signup bonus
0% APR on purchases and balance transfers for 12 months
Cons
Has annual fee
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$285
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Welcome bonus offer not available to applicants who have or have had this product.
Rewards
Groceries
3 points / $1
limited to $6,000
spending per year
Gas
2 points / $1
Other
1 point / $1
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
14.74-24.74%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
14.74-24.74%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$95
Cash advance fee
3%
min $5
Foreign transaction fee
2.7%
Late payment fee
up to
$38
Return payment fee
up to
$38
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