Card Provider
APR
Annual Fee
Rewards
Rating
N/A
$0 Introductory annual fee the first year, then $65
Starpoints
 
  • 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 like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 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
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.
 
N/A
$0 introductory annual fee for the first year, then $65
Starpoints
 
  • 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
  • Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights - all with no blackout dates
  • Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply
 
N/A
$0 introductory annual fee for the first year, then $95
Delta SkyMiles
 
  • Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.
 
N/A
$0 introductory annual fee for the first year, then $95
Delta SkyMiles
 
  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free- for up to 8 people on your reservation- on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
 
N/A
$0 first year, then $95
Ultimate Rewards
 
  • Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening.
  • No interest charges because it's a pay in full charge card.
  • Earn 5X points per dollar in select business categories.
  • 1:1 point transfer to leading frequent travel programs.
  • No foreign transaction fees
  • Direct access to a live service advisor anytime.
  • $0 Intro Annual Fee for the first year, then $95.
     
    N/A
    Introductory annual fee of $0 for the first year, then $175
    Membership Rewards
     
    • Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 within one calendar year
    • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
    • Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
    • Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
    • Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
    • $0 introductory annual fee for the first year, then $175
    • Terms and Restrictions Apply
     
    N/A
    $0 first year, $85 after
    Marriott Rewards
     
    • Enjoy up to 7 Free Nights To Start!
    • No Expiration and No Limit on Points
    • 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
     
    N/A
    No Annual Fee
    ThankYou Points
     
    • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
    • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
    • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
    • APR reduction on purchases when using credit wisely
    • No Annual Fee
     
    Newsletter

    Credit Card Disclaimer Your Credit is one of Your Most Important Assets

    Some of the techniques mentioned on this blog involve applying for credit. The reader is solely responsible for the decisions he/she makes regarding their own credit.

    “Credit Card Travel” for Free Airline Miles and Hotel Points

    Maximize Your Credit Card Sign Up Bonuses with a Free Credit Card Review.

    I've had over 95 credit cards approvals, and still receive the sign up bonuses I apply for.

    My 16 years in mortgage banking, credit counseling and years of personal experience churning credit cards, can help you achieve your travel goals, while you still protect your credit.

    Start by dropping by the Rookie Tips and Frequently Asked Questions page and following the suggestions listed. Then drop me a note at: rick@frugaltravelguy.com

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