How to Earn Points and Miles for Free Travel
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Details
- Earn 5 points for every $1 spent.
- Get an introductory 0% APR for the first 9 billing cycles following account opening on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening.
- No annual fee.
- No limits to the amount of points you can earn.
- No spending categories to keep track of or remember.
- Combine your personal and business points to receive more rewards.
- Reward options include merchandise, gift cards, travel, and cash back.
Pros
5X points per $1 spent on all purchases
No annual fee
0% purchase intro APR
0% balance transfer intro APR
Cons
No signup bonus
Has foreign transaction fee
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Other
5 points / $1
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
9 months
Balance transfer regular apr
12.99-21.99%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
12.99-21.99%
variable
Cash advance apr
23.99%
variable
Regular annual fee
$0
Cash advance fee
4%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$39
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