How to Earn Points and Miles for Free Travel
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Details
- Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
- No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
- Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.
Pros
Generous signup bonus
No annual fee
High rate for rewards
0% on Purchases and Balance Transfers for 15 months
Cons
Good to excellent credit score required
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$190
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Welcome offer not available to applicants who have or have had this Card.
Rewards
Groceries
2 points / $1
limited to $6,000
spending per year
Other
1 point / $1
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
15 months
Balance transfer regular apr
14.74-25.74%
variable
Balance transfer fee
0%
Rates and fees
Purchase regular apr
14.74-25.74%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$0
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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