| Intro APR | ![]() |
Intro Period | ![]() |
Regular APR | ![]() |
Annual Fee | ![]() |
Balance Transfer | ![]() |
Credit Needed |
| 0% | ![]() | up to 12 Months* | ![]() | as low as 11.99%* | ![]() | $0* | ![]() | Yes* | ![]() |
Excellent Credit* |
| Card Issuer | American Express |
| Card Status | Standard |
| Intro APR | 0% APR for up to 12 Months |
| Intro Details | A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process and/or within the first 30 days of Cardmembership. |
| APR for Purchases | as low as 11.99% |
| Grace Period | 20 Days |
| Late Payment Fee | N/A |
| Over the Limit Fee | $35 |
| Cash Advance Fee | N/A |
| Balance Transfer Fee | 3%, $5 minimum, $99 maximum. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction. |
| Type of Reward | Point |
| Points/Dollar Spent | 1 Point |
| Point Details | Points can be redeemed for cash savings up to the full cost of travel purchases including any flight, hotel, rental car, or cruise, without blackout dates or travel restrictions. |
| Notes | The APR for purchases varies according to the applicant's credit history and may range from 11.99% to 17.99%. Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure. |
* See the online credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer\'s web site.