Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
Generous. 5% cash back on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up. And 1% cash back on all other purchases.*
Human. 100% U.S.-based customer service available any time.
Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
*Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
That's enough for a weekend getaway to a Category 4 Hotel.
Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts - that's 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases.
Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates. Some hotels may have mandatory service and resort charges.
Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
No limits on the number of Starpoints you can earn
$0 introductory annual fee for the first year, then $65
$0 introductory annual fee for the first year, then $65*
Do You Know Your Credit Score? Find Out Now!
A credit score
is a number generally between 300-850, based on a statistical
analysis of a person's credit files. This score represents the credit
worthiness of a person. A credit score is assigned to each individual, to rate
how risky a borrower he or she is--the higher the score, the less
risk the individual poses to creditors. In most cases, your credit score will determine whether you will be
approved for a credit card.
1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories:
Length of Credit History
Type of Credit Used
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