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Rewards Credit Card Review
REVIEWS AND COMPARISONS
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Rewards Benefits
Points Rewards
 
 
 
 
 
 
 
Cash Back Rewards
 
 
 
 
 
 
 
 
Miles Rewards
 
 
 
 
 
 
 
 
 
 
Sign-Up Bonus
10,000 bonus miles after $1,000 spent on purchases in first 3 months
$100 bonus after $500 spent in first 3 months
$100 cash back after $500 spent in first 3 months
Earn 7,500 bonus points after $1,000 spent in first 3 months
20,000 bonus points after $1,500 spent on purchases in first 3 months
10,000 bonus miles $1,000 spent on purchases in first 3 months
 
10,000 Bonus Points after $500 spent in first 3 months
40,000 Bonus Points after $3,000 spent in first 3 months
30,000 bonus miles after $1,000 in purchases in first 3 months
10,000 Bonus Points after $500 spent in first 90 days
$100 cash rewards after $500 spent in purchases in first 90 days
 
Cash Back
Dining Out
0%
1.5%
5%
0%
0%
0%
1%
0%
0%
 
 
1
2
Groceries
0%
1.5%
1%
0%
0%
0%
1%
0%
0%
 
 
2
1
Gas
0%
1.5%
5%
0%
0%
0%
5%
0%
0%
 
 
2
3
Department Stores
0%
1.5%
5%
0%
0%
0%
1%
0%
0%
 
 
1
1
Electronic Stores
0%
1.5%
1%
0%
0%
0%
1%
0%
0%
 
 
1
1
Hotels
0%
1.5%
1%
0%
0%
0%
1%
0%
0%
 
 
1
2
Airlines
0%
1.5%
1%
0%
0%
0%
1%
0%
0%
 
 
1
2
Other Travel
0%
1.5%
1%
0%
0%
0%
1%
0%
0%
 
 
1
2
Movies
0%
1.5%
5%
0%
0%
0%
5%
0%
0%
 
 
1
1
Other
0%
1.5%
1%
0%
0%
0%
5%
0%
0%
 
 
1
1
Earn Rewards On
Hotels
Gas
Shopping
Dining
Groceries
Airfare
Redeem Rewards On
Hotels
 
 
 
 
Cash Back
 
 
 
 
Merchandise
 
 
 
 
Gift Cards
 
 
 
 
Statement Credit
 
 
 
Airfare
 
 
 
 
APR
Introductory APR*
0% on Purchases
0% on Purchases and Balance Transfers
0% on Purchases and Balance Transfers
0% on Purchases and Balance Transfers
0%* on Purchases and Balance Transfers
N/A
0% on Purchases & Balance Transfers
None
None
None
0% on Purchases
0% on Purchases and Balance Transfers
0% on Purchases
Introductory Period
Until Sept. 2014
Until Sept. 2014
15 Months
15 months
12 Months
N/A
14 Months
N/A
N/A
None
12 Months
12 Months
6 Months
Standard APR*
11.9% - 19.9% (V)
12.9% - 20.9% (V)
13.99% - 22.99% Variable
17.24% - 22.24% Variable
12.99% - 22.99%* (Variable)
13.9% - 20.9% (V)
10.99% - 22.99% Variable*
15.24% Variable
15.24% Variable
15.24% - 19.24% Variable
14.99% - 22.99% Variable
12.99% - 22.99% Variable
15.24% Variable
Cash Advance APR*
24.9% (V)
24.9% (V)
23.99% Variable
25.24% Variable
25.24%
24.9% (V)
24.99% Variable *
19.24% Variable
19.24% Variable
25.24 Variable
22.99% for Direct Deposits/Check Cash Advances & 24.99% for Bank Cash Advances
22.99% for Direct Deposits/Check Cash Advances & 24.99% for Bank Cash Advances
25.24% Variable
Balance Transfer APR*
11.9% - 19.9% (V)
12.9% - 20.9% (V)
13.99% - 22.99% Variable
17.24% - 22.24% Variable
12.99% - 22.99%* (Variable)
13.9% - 20.9% (V)
10.99% - 22.99% Variable*
15.24% Variable
15.24% Variable
15.24% - 19.24% Variable
14.99% - 22.99% Variable
12.99% - 22.99% Variable
15.24% Variable
Penalty APR*
29.4% (V)
29.4% (V)
29.99% Variable
27.24% Variable
29.99%
29.4% (V)
None
29.99% Variable
29.99% Variable
27.24% Variable
29.99% Variable
29.99% Variable
27.24% Variable
Fees & Penalties
Annual Fee
$0
$0
None
$0
$0*
$0 intro for first year; $59 after that
$0
None
$0 First Year, then $95
$0 intro annual fee for the first year, then $95
None
None
No Annual Fee with your paid Costco Membership
Late Fee
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
None the first time, then up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Overlimit Fee
None
None
None
None
Up to $35
None
$0
 
 
None
 
 
None
International Purchase Fee
$0
$0
3%
2.7%
3%
$0
$0
3%
None
2.7%
None
3%
2.7%
Balance Transfer Fee
$0
3%
$5 or 3%
$5 or 3%
$5 or 3%
$0
3%
$5 or 3%
$5 or 3%
$5 or 3%
$10 or 3%
$10 or 3%
$5 or 3%
Cash Advance Fee
3% or $10
3% or $10
$10 or 3%
$5 or 3%
$10 or 5%
3% or $10
$10 or 5%
$10 or 5%
$10 or 5%
$5 or 3%
$10 or 3%/5%
$10 or 3%/5%
$5 or 3%
Returned Payment Fee
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $25
Up to $25
Up to $35
Grace Period
25 Days
25 Days
21 Days
25 Days
23 Days
25 Days
25 Days
21 Days
21 Days
25 Days
25 Days
25 Days
25 Days
Key Features
Balance Transfer
Zero Liability
24/7 Account Access
Account Alerts
Travel Accident Insurance
Depends on account approval
Depends on account approval
Rental Car Insurance
Depends on account approval
Depends on account approval
Extended Product Warranty
Depends on account approval
Depends on account approval
Lost Luggage Reimbursement
 
Depends on account approval
Depends on account approval
No Cap On Rewards
 
 
Member Support
Phone
Email
 
 
 
 
Live Chat
 
 
 
 
24/7 Customer Support
Emergency Card Replacement
FAQs