Cards Earning Miles or Points

I apply for any card that offers miles up front for just qualifying for it. The only reason not to would be that you are concerned that it might affect your credit rating. I discuss that in the Important Starting Info section. If they are free for only a specified period of time, just close the account just before that time is up, telling them you refuse to pay an annual fee. Do this by a telephone call to the customer service center for the card about 2 months befor the fee is due. You may be offered bonus miles for continuing to use the card (then cancel it anyway after earning the bonus miles), an extension of the free time, or another free card that earns miles.

I mention some offers for Canadians, but probably the best resource for miles producing credit cards for Canadians is the Rewards Canada Bonus Mile Promotion Directory.

Caution: Most cards have a limit on the number of miles you can earn in one year. If you plan to charge a lot on a card, be aware of this limit.

• Starwood The Starwood American Express card is one of my favorite cards for actual spending, as 20,000 points convert to 25,000 miles on a choice of a large number of airlines.
• Cards earning Chase Ultimate Rewards points: Chase Sapphire Preferred(SM) Card, Ink Bold® Business Card, and Ink Plus® Business Card. Super bonus points convertible 1:1 to a choice of many airlines (including United), and excellent extra points for spending in certain categories like travel and business, making these my other favorites for actual spending.
• American Airlines Visa Cards, MasterCards, and American Express Cards. Super up front bonuses if you follow my directions.
• United Airlines Visa credit cards. Sometimes hard to find super bonuses, but I tell you how.
• U.S. Airways Mastercards. Always a worthwhile up front bonus. Sometimes I tell you how to get a larger one.
• Delta Airlines American Express cards. Always a worthwhile up front bonus. Sometimes I tell you how to get a larger one.
• American Express offers both free and annual fee credit and charge cards which give Membership Rewards points transferable into miles of some airlines. Some of these offer very good points and cash bonuses for successfully applying and first use, and some of these waive the annual fee for the first year.
• China Air offers both free and annual fee Mastercards for U.S. residents, and a large number of cards, fee unknown, for residents of Asia.
• IcelandAir offers both free and annual fee MasterCards for U.S. residents.
• Korean Airlines offers both free and annual fee credit cards for U.S. residents.

U.S. residents can obtain both the Hilton Visa and the Hilton Amex card. I did this when the offers totaled an easy 80,000 free points, giving me two free nights at the Hilton in Frankfurt, Germany for a very comfortable layover to recover from a 9 hour jet lag before going on to Athens for a tour of Greece and Turkey.

The Citi® Hilton HHonors™ Reserve Card seems to me to be a good deal if you already know you need weekend nights within a year of getting the card (2 nights for the $95 annual fee), and/or if you can make use of Gold status. In Frankfurt that status got me early check-in, a room upgrade, free breakfasts, and access to the Executive Floor Lounge for free snacks 24 hours and free access to the internet using their computer. You probably can't get both the Reserve Card and the free Hilton Visa 50,000 or 40,000 point offer, since they are both from Citibank.

Note: Sometimes the bank will inadvertently open a new Hilton HHonors account for you and put your points there, instead of putting them into your existing account. If your points don't show up, contact Hilton HHonors customer service. They will find the two accounts for you and consolidate them.

For a quick, free infusion of extra Hilton HHonors points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year. Actually using the card would be a very inefficient way of earning HHonors points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,300 HHonors points.

Hilton American Express card:

• 50,000 points offer
  • 50,000 Hilton HHonors points after spending $750 on the card in the first three months.
  • 7 Hilton HHonors Bonus Points for each dollar of eligible purchases charged directly with a participating property within the Hilton HHonors portfolio of brand
  • 5 Hilton HHonors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations2
  • Earn 3 Hilton HHonors Bonus Points for all other eligible purchases on your Card2
  • No Annual Fee
  • Offer Expires May 31, 2013.
• 40,000 points offer
  • 40,000 Hilton HHonors points after spending $750 on the card in the first three months. That time limit can be seen by hovering over footnote 1 on the application page. The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.
    • 6 Hilton HHonors points/$1 spent at participating Hilton Family hotels
    • 3 points/$1 spent on all other purchases.
    • View from the Wing says that the bonus points for spending in specific categories will change May 1, 2013.
    • No annual fee.
  • A reader forwarded to me an email that indicates that for a limited time you can earn 5,000 HHonors bonus points for the first additional card you add. The page to which the email links does not mention this offer. I suggest you call customer service after you receive your card, and keep calling until you find a rep who knows about the offer. If all else fails, you could simply order a second card through the link and wait the required 8-12 weeks to see if you get the points. I cannot forward the email to you, as it includes info about the reader.

• Hilton Visa 50,000 point offer.
  • This flyertalk thread provides a disussion of a possible 50,000 point offer. Its link goes directly an application page that does not mention the 50,000 points. Be sure to read the entire discussion to see what the current experience is with this offer before applying for it.
  Citi® Hilton HHonors™ Visa Signature® Card
  
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No Annual Fee*

    Apply Now!

Citi® Hilton HHonors™ Reserve Card

• Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Worldwide portfolio after $2,500 in eligible purchases within 4 months of account opening*
• Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton Worldwide portfolio*
• Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
• Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
• Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
• No foreign transaction fees on purchases*
• Travel with ease and enjoy global acceptance with your Citi chip credit card
• Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton Worldwide portfolio each cardmembership year with qualifying purchases*

  Apply Now!

Hilton Visa card has special offers from select merchants.

Hilton offers credit cards for residents of the U.K, Germany, and Japan. Ask about bonuses and fees.

Use of the card provides only one point per dollar spent, which is worth only 1/4 mile, and you must earn another 10,000 points to obtain more miles. However, if you frequently stay at InterContinental Hotels Group properties (Holiday Inn, Crowne Plaza, and Staybridge Suites), Priority Club members can accumulate points for free airline tickets, which may be a better deal than converting to miles, depending on the type of ticket you want.

For a quick, free infusion of extra Priority Club points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year. Actually using the card would be a very inefficient way of earning Priority Club points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,000 Priority Club points.

Note: Those seeking Priority Club points should consider also acquiring cards earningUltimate Rewards Points. Nice mega up front points, convertible to Priority Club points 1,000:1,000, nice bonuses for purchases in special categories, and the annual fee was waived for the first year.

• First sign up for Priority Club (free) and copy your membership number.
• I and many other Priority Club credit card holders have received a paper mail flyer saying that I will have Platinum Status as long as I keep my card. Platinum status allows you to have the best available room when you arrive at your hotel. The Jr. Suite at one of my Holiday Inn hotels in Italy was a very nice upgrade over the usual tiny European rooms. The status also give you a 50% bonus for base points for paid stays, and guaranteed room availability within 72 hours advanced notice except during special events.

• Priority Club Select Visa card 80,000 point offer:
  • Update: I don't know quite what is happening with this offer. I am able to watch the video and see the 80,000 point offer. A reader tells me she watched the video and was offered only 60,000 points. Another told me he was unable to watch the video at all. The offer may be targeted and linked to something in your account. So I suggest you just try it to see what you get.
  • See post #1 on this flyertalk thread for another possible method for getting the 80K offer if the video doesn't work. Reported working as of June 11, 2012, in post #425.
  • 80,000 points for first use. Enter your Priority Club member number and PIN and Promotion Code FLLNUVUAA37, PGFTNHNAD3 or DMOMOPJVC1. Watch the video for 1,000 points, then apply for the card.
  • The $49 fee is waived the first year.
  • 10% points rebate on Priority Club awards.
  • 5 points/$1 spent at Priority Club hotels.
  • 2 points/$1 spent on gas, groceries & dining.
  • 1 point/$1 spent on everything else.
  • No foreign transaction fees.
  • Gold Elite status. (But should actually be the very valuable Platinum status. See below.)
  • Free night certificate annually after you pay the fee.
  • If that doesn't work, this flyertalk thread indicates that as of March 2012 this link works for the offer. If this doesn't bring you directly to an application page, try clicking on the link in post #1 of the flyertalk discussion. Otherwise, try clicking on "IGH Consumer" to see the application page. Nothing on the resulting application page mentions the 80,000 points, but flyertalkers are reporting receiving them. If you less than 80,000, try sending a secure message to Chase requesting the extra points, saying you saw the offer on the internet.

• Priority Club Select Visa card 60,000 point offer:
  • 60,000 points for first use. Click on Bonus Points near the bottom of the page to see this.
  • The $49 fee is waived the first year.
  • 10% points rebate on Priority Club awards.
  • 5 points/$1 spent at Priority Club hotels.
  • 2 points/$1 spent on gas, groceries & dining.
  • 1 point/$1 spent on everything else.
  • No foreign transaction fees.
  • Gold Elite status. (But should actually be the very valuable Platinum status. See below.)
  • Free night certificate annually after you pay the fee. (Such a deal for $49, especially for rooms in pricy locations in places like Europe. I used my last one in Athens.)
  When I received this card I was surprised to discover that I was upgraded to Platinum Status, not just Gold status. This was because the 60,000 points are enough to get that status. Platinum status provides free upgrade to the best available room upon arrival. This has been quite valuable to me for upgrading tiny European rooms into very nice suites.

• Priority Club Signature card 30,000 point offer:
  • 30,000 points for first use.
  • 5 points/$1 spent on the card for stays at Priority Club hotels.
  • 2 points/$1 spent on gas, groceries and dining.
  • 1 point/$1 spent on everything else.
  • 10% rebate on all Priority Club point redemptions.
  • Permanent Gold Elite status.
  • No annual fee for one year only, then $49/year.
  • No foreign currency transaction fees.
  • ree night certificate annually after you pay the fee.

• Priority Club Signature card offer:
  • 30,000 points for first use, plus 10,000 more points if you spend $15,000 plus one more transactionon the card annually. It appears to me that in order to get those 10,000 points, you may have to pay the annual fee for the second year.
  • 3 points/$1 spent on the card for stays at Priority Club hotels.
  • 1 point/$1 spent on everything else.
  • Upgrade to Gold Elite status through December of the next year after your card is activated. But allow 6 - 8 weeks after the account is activated for the status to be applied to your account.
  • No annual fee for one year only, then $29/year.
  • The Pricing & Terms page says this there is a 3% foreign currency transaction fee.

• Priority Club Signature Business Card offer:
  • 30,000 points for first use, plus 15,000 more points if you spend $20,000 plus one more transactionon the card annually. It appears to me that in order to get those 10,000 points, you may have to pay the annual fee for the second year.
  • 3 points/$1 spent on the card for stays at Priority Club hotels.
  • 1 point/$1 spent on everything else.
  • No annual fee for one year only, then $29/year.
  • Upgrade to Gold Elite status through December of the next year after your card is activated. But allow 6 - 8 weeks after the account is activated for the status to be applied to your account.
  • No annual fee for one year only, then $29/year.
  • The Pricing & Terms page says this there is a 3% foreign currency transaction fee.

• If there is no better offer listed above, please ask me to refer you to this card, at no cost to you. You still get 15,000 points for first use, no annual fee for the first year, then $29/year thereafter if you keep the card. I get some points for the referral. Please request the referral only if you are certain you will apply for the card and use it at least once. I have a limited number of referrals and would hate to waste them. Thanks.

• Signature card offer:
  • 15,000 points for first use.
  • 10,000 more points if you spend $15,000 on the card annually.
  • $20 statement credit.
  • Upgrade to Gold Elite Status.
  • No annual fee for one year only, then $29/year.
  • If my link doesn't work, try this one.

• Non-U.S. offers:
  • United Kingdom. 10,000 and 20,000 Bonus Points offers as of September 16, 2012.
    • 40,000 points offer through 20 August 2012, but it was still online September 16, 2012.
  • China. I am told that the offer is 10,000 Bonus Points, but I am unable to read the Chinese.

Points are convertible to miles a many airlines, and can be used to acquire free stays and other goodies. See my description of the program in my Other Programs I Like page.

Please tell me if any of these offers have expired or changed. Thanks.

All of the offers listed are for first time customers only. However, I and others I trust have cancelled the card to avoid the fee, waited a few months (I have heard a few months to 18 months), and then received the best offer again.

Note: Those seeking Mariott points should consider also acquiring cards earning Ultimate Rewards Points. Nice mega up front points, convertible to Marriott points 1,000:1,000, nice bonuses for purchases in special categories, and the annual fee was waived for the first year.

Marriott Rewards® Premier Credit Card

Credit Cards.com Points Reward Credit Cards page. On April 22, 2013, it was on page 3. Or, perhaps easier, just use the search box at the upper right corner of the CreditCards.com page to search on "Marriott", then click on the appropriate link. Or search on "Chase" in that box, then on the first link, to get a nice one page listing of all of Chase Bank's credit cards offered by CreditCards.com. Applying for the card this way helps me at no cost to you. Thanks.
• Enjoy up to 7 Free Nights To Start!
• New! Smart Chip Technology and No Foreign Transaction Fees!
• Earn 5 points for every $1 spent at Marriott® locations
• Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants
• Earn 1 point for every $1 spent on other purchases
• Receive 1 free night stay after account approval and each year upon account anniversary
• Cardmembers achieve Silver Elite status with 15 nights credit toward Elite status

The up to 7 free nights come in the form of 50,000 bonus points, good for up to 6 free nights. You must spend $1,000 on the card in the first 3 months to get these points.

The 7th free night is at a Category 1-4 location.

Marriott Rewards® Premier Visa® Card for Canadians

• 30,000 Bonus Points after your first purchase
• 1 Free Night Stay at a Category 1-4 location after account approval
• Together, that's enough for up to 5 Free Nights at a Category 1 Hotel (or 4 free nights at a Category 2 hotel)
• No Foreign Currency Transaction Charges on international purchases in addition to the exchange rate!
• 5 points per $1 spent at over 3,500 participating Marriott® locations
• 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants
• 1 point per $1 spent on purchases elsewhere
• Achieve your next Elite membership level faster with 15 Nights Credit every year
• Receive one anniversary bonus free night stay at a Category 1-5 hotel every year just for having the card!
• No charge for additional cards
• Plus, the Annual Fee is waived for the first year

• This flyertalk thread says to go to this link, which takes you to an application page. Click on Terms and Conditions at the top of the page, then scroll down to 'Bonus Points' near the bottom of that page to read

  First Use Points - All Cardmembers will earn 24,000 Points upon the first use of the Account for a purchase or balance transfer.

  First Stay Points – Cardmembers will also earn an additional 16,000 Points after the first paid stay with their new Account at a Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion®, Ascend Collection®, Cambria Suites®, MainStay Suites®, Suburban Extended Stay®, Econo Lodge® or Rodeway Inn® hotel in the U.S.

• Everything else seems to be the same as the standard offer below.
• I think this offer should work so long as its application page is online. But be sure to make copies of everything. After applying, you could call Barclay's reconsideration line at 866 369-1283 to see if the offer is what you expect, then cancel the application if it isn't.
• Please tell me when this offer is no longer available. Thanks.

The standard offer is for 16,000 points. You are welcome.

• 8,000 points when you make your first purchase. 8,000 more points when you pay for your first stay at a Choice Privileges location with your new card. (See footnotes 3 and 4.)
• 5 or 10 points per eligible $1 spent at over 4,200 Choice Privileges locations. depending on the type of property. They advertise more points, but their totals include the points you would receive anyway just for the stay, no matter how you pay for it. Slick.
• 5 points per eligible $1 on additional Choice Privileges points or Choice Hotels gift card purchases.
• 2 points per eligible $1 spent on everyday purchases.
• Automatic Elite Gold Status, which offers the ability to book free nights 40 days in advance instead of 30 days, and a 10% point bonus every time you earn points for eligible stays.
• No annual fee.
• The offer says "for a limited time." Please tell me when it changes or disappears. Thanks.

The Choice Privileges Visa Card for Canadians offers

• No annual fee.
• 8,000 points after your first use- that's enough for a free night at over 1,500 locations.
  • Special Offer until July 31, 2013: 24,000 points. (Via Rewards Canada.)
• Up to 15 points for every $1 in net retail purchases at over 5,000 Choice Privileges locations in Canada, the U.S., Europe, Mexico, and Australasia.
• 2 points/$1 spent on everyday purchases.
• Automatic upgrade to Elite Gold status – earning you more points for every eligible stay.

Choice Privileges is the loyalty points program of Choice Hotels (Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites, EconoLodge, and Rodeway Inns). You may read about it in the Points to Miles section of my Other Programs I Like page. Be sure to join this program and receive a membership number before applying for the credit card. That number will be requested on the application for the credit card.

• Free offer:
  • 12,000 bonus points with first purchase or balance transfer.
  • 3 points/$1 spent on every participating hotel stay.
  • 2 points/$1 spent everywhere else.
  • No annual fee.
• Annual Fee offer:
  • 18,000 bonus points with first purchase or balance transfer.
  • 5 points/$1 spent on every participating hotel stay.
  • 2 points/$1 spent everywhere else.
  • $39 annual fee.
  • This flyertalk thread says that a 30,000 point offer comes and goes. Post number 17 suggests you can call 866-408-4064 to ask for this offer.
  • If the 18,000 points bonus is gone, try this offer for 16,000 points.
  You can read about the Wyndham Rewards program on my Other Programs I Like page in the Points to Miles, esp. Hotels section.)

   

Offer for Canadians: 20,000 points for first purchase and 1.5 points per $1 spent.

For a quick, free infusion of extra Best Western points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year. Actually using the card would be a very inefficient way of earning Best Western points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,000 Best Western points.

• 20,000 bonus points after first purchase.
• >20,000 more points after $10,000 in total spend within the first 12 billing cycles after account is opened.
• 5 bonus points/$1 spent at La Quinta properties in addition to the regular points you would earn for stays.
• 2 points/$1 spent on gasoline, dining, and car rental. See the terms and conditions for details on this bonus.
• 1 point/$1 spent on most everything else.
• No annual fee.

See the Points to Miles, esp. Hotels section of my Other Programs I Like page for details of the La Quinta program.

• 5,000 points with first purchas. (But footnote 1 says 10,000 points. Weird. Ask.
• 2 points/$1 for Aer Lingus purchases. 1 point/$1 for other purchases.
• No annual fee.

• No annual fee, though there is a stamp duty charged by the Irish Government on all Irish Credit Card accounts.
• 1 - 5 bonus flights after minimum spends on the card.

• Members with current Amtrak Guest Rewards Select or Select Plus status, with an annual point transfer limit of 50,000
• Cardholders of the Amtrak Guest Rewards® MasterCard® issued by Chase Bank with an Amtrak travel spend on the card of over $200 per calendar year, with an annual point transfer limit of 25,000 per year
• Details.

The standard Amtrak MasterCard offer:

• 12,000 points after $500 in purchases in the first three months.
• No annual fee.
• 5% of your points back every time you redeem.
• 2 points/$1 spent on Amtrak purchases.
• 1 point/$1 spent on everything else.

There are a great many cash back credit card offers. I don't intend to follow these closely or completely, since they don't offer miles. However, I describe my several of favorites below, either for their mega up front cash bonuses, and/or for purpose of comparison of cash back for purchase to the miles you would get from miles cards.

PenFed Visa® Platinum Cash Rewards Card

• You must be a PenFed member to apply. Not yet a member? It's easy to join!
• You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations.
• Earn 5% cash back on gas purchases paid at the pump and .025% on all other purchases.
• Cash rewards automatically awarded to your account every month with no caps.
• No Annual Fee
• No foreign currency exchange fee. This is huge for foreign travel. Most cards charge 3%.
• Up to $50,000 limit
• Note the huge advantage that this card has over other cash back cards: You get your money credited to the statement on which the charges appear. There is no minimum amount you must accumulate to get your money.
• I use this card for gasoline purchases and for foreign travel.
In order to obtain this wonderful card you must first be a member of the Pentagon Federal Credit Union. Anyone can join this credit union, one way or another.
• See the large list of ways to be eligible. The easiest seems to be "I belong to the following association or organization", which apparently includes donating blood to the American Red Cross. See below. Also, you are already eligible if you or a family member or house mate work for the federal government or have most any association with the military or a company working for the military or belong to one of a very large number of organizations or work for one of a large number of employers. If none of these apply to you, you can become eligible by joining the National Military Family Association (one time tax deductible $20 fee) or Voices for America's Troops (one time $15 fee, not tax deductible). Anyone can join these.

  To join the credit union:

  • Click on the Join Now link.
  • Click on the link for your option.
    • Note that the option "I belong to the following association or organization" includes the American Red Cross. Last I was able to find this, belonging to that organization included "Employees and Volunteers. A volunteer is defined as anyone who provides wealth wisdom, or work. Wealth can include a blood donation or a financial donation." Chosing that option brings you to the application page. I see no further questions on that page about your affiliation with the Red Cross.
    • If none of the options apply to you, click on "None of the Above" and then chose one of the organizations. You need join for only one year. You need not renew in subsequent years.
• Joining also involves a $5 deposit to a PenFed account that earns a minuscule amount of interest. You can then apply that interest to your credit card balance on PenFed's website.

I see little advantage to any of the other PenFed cards. See my introductory remarks on my Credit Cards > Bank and Other Credit Cards page to see why I don't like the PenFed American Express card.

 

• Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
• 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
• Earn 2X miles on all purchases
• No mileage caps and no foreign transaction fees
• Get 10% miles back when you redeem for travel (e.g. redeem 25,000 miles for travel and get 2,500 miles back)
• Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
• Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
• Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

The annual fee is $89, waived for 1st year

The "miles" really aren't. They are not transferable to any airline miles. However, they can be converted to a statement credit for travel purchases at 1$/mile, meaning you get $400 for doing the minimum purchase requirement. Travel purchases are defined as purchases from "Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies." "Miles" can also be redeemed for cash at an undefined rate. One blogger says that rate is 1 cent/2 "miles".

Miles are not redeemable for less than 2,500 miles.

Barclaycard Arrival World MasterCard — No Annual Fee Card

• Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
• 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
• Earn 2X miles on travel and dining purchases and 1X miles on all other purchases
• No mileage caps and no foreign transaction fees
• Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
• Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
• Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
• Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

• You can find this offer on the CreditCards.com Business Credit Cards page. Last I looked it was on page 1.
• Earn 2% cash back on every purchase, every day
• Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
• Receive a $50 cash bonus by signing up for one or more employee cards
• Enjoy award-winning small business customer service
• $0 intro annual fee for the first year; $59 after that
• Redeem cash rewards anytime, for any amount, even set up automatic redemption
• Earn unlimited cash rewards that don't expire

• Earn $50 cash back with your first purchase
• With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
• Earn 4% back at thousands of participating Upromise dining restaurants
• Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
• Earn 2% cash back at eligible movie theaters
• Earn 1% cash back everywhere else
• Earn cash back on every purchase with no caps
• 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.

You can find details of the Upromise program here. Apparently you get cash back for online purchases, and you can use your rebates to deposit cash into a Sally May bank account or a tax-deferred 529 Plan, to pay down a Sally Mae student loan, or to just receive a check. For 529 plan accounts, compare to Fidelity's 529 College Rewards American Express card, which essentially gives 2% back on everything. You could get both.

• Earn 5% cash back on two categories that you choose, like department stores, restaurants...plus many more. See my complete list below.
• Earn 2% cash back on gas, groceries or drug stores - choose one
• Earn 1% cash back on everything else
• Get a $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption
• No Annual Fee

FrequentMiles says that the categories below will change for the worse July 1, 2013, and that there will be a cap on the cash back you can receive at 5%.

To see all of the 5% categories from which you may (must) choose two each quarter, go to the usbank.com/cashplus page and click on "See how it works". Click on the Info link for each category to see the details and restrictions. The Bill Payment category looks particularly interesting. On October 12, that list was

• Bill Payment - household phone, internet, cable/satellite TV, utilities and insurance. Purchases made outside of these specific categories do not qualify.
• Department Stores. Examples include stores like Bloomingdale's, Macy's, Sears and Kohl's.
• Restaurants
• Home Improvement Stores. Examples include Lowe's, Home Depot, Menards and Ace Hardware.
• Electronic Stores. Examples include Best Buy and American TV.
• Airlines, Get cash back when you book your airline tickets directly with the airline (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
• Hotels. Get cash back when you book your reservations directly with the hotel (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
• Fast Food
• Furniture Stores
• Car Rental. Get cash back when you book your car rentals directly with the car rental agency (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
• Charity, Donate directly to non-political fund-raising organizations and social-service organizations, and you'll not only get a tax deduction but cash back too. Qualifying charities include advocacy groups, community organizations, and health agencies. Examples include organizations like the American Red Cross, United Way, Samaritan's Purse International Relief and Mercy Chefs.
• Movie Theaters

• An email from U.S. Bank dated October 16, 2012, clarifies this: "Rewards can be redeemed as a deposit into a U.S. Bank checking, savings, or Money Market account, as a statement credit, or as a U.S. Bank Rewards Gift Card."

If you choose to redeem your cash back as a deposit into your U.S. Bank deposit account (checking, savings or money market) or a Statement Credit, there is no minimum redemption. For redemption to a U.S. Bank Rewards Visa® Card, there is a $20 minimum redemption ($5 increments).

After redeeming $100 or more in single redemption, you will receive your $25 Cash+ Bonus Rewards Card in six to eight weeks. So be sure to redeem exactly $100.

• 0% Intro APR* for 15 billing cycles on purchases and balance transfers
• Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
• 25% annual bonus of your prior year's cash rewards up to $250
• No cap on the cash rewards you can earn and they never expire
• $0* annual fee if you make one purchase per year, otherwise $25*

There is a 3% or 4% up front balance transfer fee. Not recommended.

Note that the Fidelity American Express cards charge only a 1% fee for foreign currency transactions, giving you a net profit of 1% on these transactions. The problem, of course, is finding acceptance of American Express cards in foreign countries. Bring a Visa card and a Mastercard as backups. Alas, the Fidelity Visa card charges a 3% foreign currency transaction fee.

• Fidelity Investment Rewards American Express. For every $2,500 in purchases you make, you earn 5,000 points, which can be automatically redeemed for $50 into your eligible Fidelity account. Note that this means that you must spend at least $2,500 on the card to get a bonus.
• Fidelity Retirement Rewards American Express. For every $2,500 in purchases you make, earn 5,000 points, which can be automatically redeemed for a $50 current-year contribution to your Fidelity IRA account. Note that this means that you must spend at least $2,500 on the card to get a bonus.
• Fidelity 529 College Rewards American Express. For every $2,500 in purchases you make, you earn 5,000 points, which can be automatically redeemed for a $50 deposit to your designated Fidelity 529 account each time you meet this minimum. Note that this means that you must spend at least $2,500 on the card to get a bonus. Compare this card to the Upromise World MasterCard®, which gives higher bonuses, but only in certain categorits. You could get both.
• Fidelity Investment Rewards Visa Signature. Earn 1.5 points for each $1 spent on the first $15,000 in purchases per year, and 2 points per $1 in purchases thereafter. Once you reach 5,000 points, points can be automatically converted into a deposit in your eligible designated Fidelity account (5,000 points = $50 deposit.) Note that this means that you must spend at least $3334 on the card to get a bonus.

Many of my readers seem to like these cards, perhaps because they also get ThankYou points from their Citibank checking accounts.It appears to me that the best you can do is 1 cent/point, but please correct me if I am wrong.

Apparently you can redeem points for travel purchases (probably via the ThankYou travel agent) at the rate of 1 Thank You point = 1.25 cents. This is probably a good deal if you travel domestically in cattle class only, but it is usually not a good deal vs. airline miles for cattle class international travel, and is definitely not a good deal vs. airline for business or first class anywhere.

Thankyou points can now be redeemed for Hilton Hotel HHonors points. For U.S. residents, the ratio is 1,000 Thankyou points gets you 1,500 Hilton points. The ratio can be better or worse for other countries. View from the Wing tells us why you may or may not want to do this. Be sure to read the readers' comments that follow the post. Remember that View from the Wing is biased toward high end luxury vacations.

So I relent and list the offers here.

The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more. Also, it points out that the ThankYou cards would be good for families seeking domestic award tickets. If you can get miles awards for only some of your family, you can use the ThankYou Points to get the remaining tickets you need on the same flight.

Caution: It is my understanding that if you close all of your ThankYou cards, all of your ThankYou points will disappear. So use them first before cancelling that last ThankYou card.

Citi ThankYou^SM Premier Card 25,000 point offer.

• Earn 25,000 bonus ThankYou® Points after $2,000 in purchases within 3 months of account opening – enough for $250 in gift cards or $333 for airfare³.
• Earn 1.2 ThankYou Points per $1 spent – that's 20% more points – when you use your card at gas stations, supermarkets, drugstores, commuter transportation and parking merchants.**
• Earn 1 ThankYou Point for every $1 you spend on all other purchases.**
• Bring a friend, with an annual domestic companion ticket and a 15% discount when booking air travel through our travel benefits provider3
• No points cap or expiration.**
• No foreign transaction fee.
• Enjoy global acceptance with the Citi chip credit card
• The $125 annual fee is waived the first year.
• I see no expiration date for this offer. Please tell me when it is gone. Thanks.

All of the following Citi ThankYou Card offers have no annual fee.

In a post on May 21, 2013, the Miles Professor tells us about a Citi ThankYou Card offer available only at your Citibank branch office:

• 15,000 bonus ThankYou points after you spend $1,000 in your first 3 months
• 5 ThankYou points/$1 spent at drug­stores, supermartets and gas stations for 12 months. Remember that drug stores and supermarkets sell gift cards for lots of businesses, including Amazon.com.
• The card has no annual fee.
• Please tell me when this offer is no longer available. Thanks.

Citi ThankYou® Preferred Rewards Card

• Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening - enough for $150 in gift cards or other great rewards!
• 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
• Earn 1 ThankYou Point for every $1 you spend on all purchases
• No expiration and no limit on the points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
• Travel with ease and enjoy global acceptance with Chip Technology
• No annual fee*

Citi Forward® Card for College Students

• No Cosigner required
• 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases
• APR reduction on purchases when using credit wisely
• 100 ThankYou Points each billing period that you pay on time and stay under your credit line.

Citi ThankYou® Card

• Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
• Earn 1 ThankYou Point for every $1 you spend on purchases
• Enjoy no limit on the number of points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• Travel with ease and enjoy global acceptance with Chip Technology
• No annual fee*

  Apply Now!

 Other Citibank cards of interest.
0% cards and cash back cards.

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

• $100 cash back after $500 in purchases within the first 3 months of account opening
• 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*.
• Earn 5% cash back from Citi on eligible purchases at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.
• Enroll at no additional cost each quarter for new categories that earn additional cash back.
• Full 1% cash back on all other purchases and eligible cash advances.
• No annual fee*

  Apply Now!

There is a 3% fee for balance transfers.

The cash back is in the form of "Dividend Dollars." You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January - December billing statements) payable in checks of $50 increments only upon your request. The $300 implies a $6,000 spending limit for 5% categories. Dividend Dollars earned on purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.

Citi® Dividend® Card for College Students

• Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment
• Earn a full 1% cash back on all other purchases
• Free enrollment each quarter for new categories that earn additional cash back
• Earn a full 1% cash back on all other purchases*
• Manage your account online, on your tablet or on your Smartphone
• No Annual Fee

  Apply Now!

This card has no annual fee.

0% for 7 months on purchases.

The cash back is in the form of "Dividend Dollars." You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January - December billing statements) payable in checks of $50 increments only upon your request.

Citi® Diamond Preferred® Card

• Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
• Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
• Let our 24/7 concierge service help book your hotel rooms, flights and more.
• Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
• $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
• No annual fee*

  Apply Now!

Citi Simplicity® Card

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• No late fees - EVER
• No penalty rate - EVER
• No annual fee - EVER
• Save time when you call with fast, personal help, 24 hours a day.

  Apply Now!

Chase Bank cards of interest.
Cash back cards.

• You can find this offer on the CreditCards.com Business Credit Cards page. On April 18, 2013 it was on page 2. Or, perhaps easier, just use the search box at the upper right corner of the CreditCards.com page to search on "Ink Cash", then click on the appropriate link (the second or sixth one, probably - note that the card can be issued as a Visa Card or a Mastercard). Or search on "Chase" in that box, then on the first link, to get a nice one page listing of all of Chase Bank's credit cards offered by CreditCards.com. The business cards are at the bottom. Applying for the card this way helps me at no cost to you. Thanks.
• Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
• 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
• 2% cash back on the first $25,000 spent annually at gas stations and restaurants
• 1% cash back on all other card purchases with no limit to the amount you can earn
• 0% introductory APR for 6 months on purchases and balance transfers
• No Annual Fee

• You can find this offer on the Cash Back Credit Cards - CreditCards.com page. On April 17, 2013 it was on page 1. Or, perhaps easier, just use the search box at the upper right corner of the CreditCards.com page to search on "Chase Freedom", then click on the appropriate link (the first and second ones, probably - note that the card is available as a Visa card or a Mastercard). Or search on "Chase" in that box, then on the first link, to get a nice one page listing of all of Chase Bank's credit cards offered by CreditCards.com. Applying for the card this way helps me at no cost to you. Thanks.
• Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
• You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• No annual fee and rewards never expire

The cash back is in the form of points convertible to cash. There is probably a minimum for conversion, but this is not mentioned in the description of the offer. It does say you can convert the points you get for the $500 minimum spend into $100 cash.

Chase Freedom points are combinable with the Chase Sapphire Preferred (SM) Card or Ink Bold® Business Card points or Ink Plus® Business Card points if you have one of these cards.

• You can find this offer on the CreditCards.com Balance Transfer Credit Cards page. Last I looked it was on page 2. Or, click on the banner to the right, then use the search box at the upper right of the page you get to search on "Slate", then click on the appropriate link (the first and second ones, probably - note that the card is available as a Visa card or a Mastercard). Or search on "Chase" in that box, then on the first link, to get a nice one page listing of all of Chase Bank's credit cards offered by CreditCards.com. Applying for the card this way helps me at no cost to you. Thanks.
• Introductory Offer – No Balance Transfer Fee!*
• Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
• 0% Intro APR for 15 months on purchases and balance transfers!*
• Avoid interest and pay down balances faster with free Blueprint® features*
• Patented Fraud Protection and zero liability on unauthorized purchases*
• Add an additional card user to your Slate account at no extra cost*
• No Annual Fee*

   

 American Express cards of interest.
0% cards and cash back cards.

On April 24, 2013, I found this card on the CreditCards.com Exclusive offers via CARDMATCH page^TM. Fill out the information (need not enter your Social Security number), then see what you get. On April 24, 2013, I found the offer was 150 Reward Dollars after you make $500 in purchases in the first three months of Cardmembership. I also found there an offer for the Blue Cash Preferred® Card from American Express with 250 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership, but it has a $75 annual fee, not waived the first year.

• You can find this offer on the Cash Back Credit Cards - CreditCards.com page. Last I looked it was on page 1. If you can't see the full offer, clear cookies and cache and try again. This is quite normal for American Express. On April 20, 2013, the card had the following features.
• Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
• Get 3% cash back at U.S. stand-alone supermarkets, 2% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases.
• The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 3% cash back; 1% thereafter.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
• Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
• Terms and Restrictions Apply.

SimplyCash(R) Business Card from American Express OPEN

You can find this offer on the CreditCards.com Business Credit Cards page. Last I looked it was on page 1. If you can't see the full offer, clear cookies and cache and try again. This is quite normal.

• 5% cash back at U.S. office supply stores
• 5% cash back on services from U.S. wireless telephone service providers
• 3% cash back on gasoline at U.S. stand-alone gas stations
• 1% cash back on other eligible purchases
• Purchases above $12,000 in each category per reward year will earn only 1% cash back
• Cash back earned will be automatically credited to your statement every month. Cash back is earned only on eligible purchases.
• No annual membership fee
• Terms and restrictions apply.

Please tell me when this offer changes, moves, or disappears. Thanks.

• Get cash back - 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco.
• 0% introductory APR on purchases for the first 6 months
• Flexible payments-pay in full or over time
• No annual fee for this credit card with your paid Costco Membership
• Reward is distributed annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued.
• The TrueEarnings Business Card serves as both your American Express Credit Card and your Costco Membership Card.

TrueEarnings(R) Card from Costco and American Express

You can find this offer on the Cash Back Credit Cards - CreditCards.com page. Last I looked it was on page 2. If you can't see the full offer, clear cookies and cache and try again. This is quite normal for American Express. On April 21, 2013, it offered:

• 3% cash back on gasoline at U.S. stand-alone gas stations, including at Costco, for purchases up to $4,000 per year (1% thereafter)
• 2% cash back at U.S. restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
• Cash back is earned only on eligible purchases. You will receive your cash back in the form of an annual reward coupon. Spend cap and other restrictions apply.
• The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
• Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
• Terms and restrictions apply.

 Capital One Credit Cards

People report on Flyertalk that the no foreign currently conversion fee works fine until Capital One's ultra sensitive fraud detection software shuts down your card unnecessarily. Then it is generally reported that it is nearly impossible to re-activate your card from a country other than the U.S. But they also report that the security system ultimately gets used to your foreign travel and stops blocking foreign transactions. But always carry a backup card it you are planning to use a Capital One card in a country outside of the U.S. My S.O. has been using her Capital One card in foreign countries. She always tells the bank in advance when and where she will be traveling. Over several years of foreign travel she has never had a charge blocked.

Capital One® SparkSM Cash for Business

• You can find this offer on the CreditCards.com Business Credit Cards page. Last I looked it was on page 1.
• Earn 2% cash back on every purchase, every day
• Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
• Receive a $50 cash bonus by signing up for one or more employee cards
• Enjoy award-winning small business customer service
• $0 intro annual fee for the first year; $59 after that
• Redeem cash rewards anytime, for any amount, even set up automatic redemption
• Earn unlimited cash rewards that don't expire

The Capital One Cash Rewards Credit Card looks good, as it has no foreign currency transaction fee and gives you cash back for your purchases - works out to 1.5%. You can find this offer on the Cash Back Credit Cards - CreditCards.com page. Last I looked it was on page 1.

• On May 1, 2013, I was able to find a special offer for this card on the CreditCards.com Exclusive offers via CARDMATCH page^TM. Fill out the information (need not enter your Social Security number), then see what you get. The offer I saw:
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until May 2014

  The Journey Student Rewards from Capital One looks like a good option for students trying to build a good credit history. It has no foreign currency transaction fee and gives you cash back for your purchases. You can find the offer on the CreditCards.com Student Credit Cards page. Last I looked it was on page 1.

  
  • Designed to help students build good credit with responsible use
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • Customizable text and e-mail alerts to help keep you on track
  • Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen

  The Capital One Cash Rewards for Newcomers looks really good to help those new to the U.S. build a credit history. It has no foreign currency transaction fee and gives you cash back for your purchases.

   

 Discover Credit Cards

Currently the only card that might be useful to some of my readers is the student card, because it might be easier to get.

The no foreign transaction fee is a nice gesture, but good luck at finding a vendor outside of the U.S. that accepts Discover cards.

Discover it® for Students with $20 Cashback Bonus.

• The new Discover it card is out to change the way people think about credit cards.
• Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
• Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
• Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%.
• *Click apply for Terms & Conditions.

Discover it® for Students

• The new Discover it card is out to change the way people think about credit cards.
• Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
• Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.