American Express Credit Cards USA

• 14.99% APR variable.
• Earn 10,000 Starpoints with your first purchase - that's good for up to 3 free nights!
• Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
• 2.90% APR for 6 Months on Balance Transfers, 15.99% APR thereafter*Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
• Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
• Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
• No annual fee for the first year - a savings of $45
• Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards

• Earn 10,000 Starpoints® with your first purchase — enough for up to 3 free nights at a category 1 or 2 hotel.
• Earn 15,000 bonus Starpoints after you spend $15,000 in 6 months
• 2.90% APR for 6 Months on Balance Transfers, 15.99% APR thereafter*
• Use Starpoints® for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
• Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
• No annual fee for the first year and $45 thereafter
• Express Approval. Get a decision in less than 60 seconds.

Rebates on the following:

• 5% for buying gas.
• 3% for dining out.
• 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
• 1% on all other Eligible Purchases.
• Rebates are awarded annually in the form of an in-store coupon.

• Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
• No Annual Fee with your paid Costco Membership.
• The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
• The flexibility to pay charges over time.
• No Limit on the Cash Back earned.