The Penalty APR will apply to your account if you fail to make any minimum payment by the date and time due (late payment), exceed your credit line (if applicable), or make a payment to card issuer that is returned unpaid.
Credit Card Fee Information:
Foreign Transaction Fee:
Balance Transfer Fee:
3% ($5 min. )
12,000 bonus points after you spend $500 in the first 3 months of account opening; points never expire; 2 points per $1 spent on Amtrak purchases; 1 point per $1 spent on purchases everywhere else. Each time you redeem for Amtrak travel, a 5% points rebate will be deposited into your Amtrak Guest Rewards account. Free travel starts at just 1,500 points.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Card company will not charge interest on Purchases if you pay your entire balance by the due date. Penalty APR: Up to 29.99%. If your APRs are increased, the Penalty APR will apply indefinitely.
If you love train travel, this is the card for you, because the points can be worth a lot. For example, it takes 57,000 points (60,000 minus a 5% rebate) to earn a three-zone bedroom trip across country. The fare would be around $2,800, so each point is worth close to 5 cents--like 5% cash back. Hard to beat.
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