Our editor's take
CardRatings Managing Editor
This card offers 5 Points on airfare purchases and 1 Point on all other purchases. Card members enjoy a premium collection of travel privileges. If you spend $2,500 in the first 3 months of opening the Card account, you can receive 20,000 bonus points. The card carries a very lengthy, low introductory balance transfer APR. This card requires excellent credit. The post-introductory variable APR is decent. Downside: The fee for balance transfers is 3% per transaction and there is a moderate penalty APR.