Our editor's take
Curtis Arnold CardRatings Managing Editor
This is a charge card only and therefore no APR. This is one of the editor's favorites. There are no pre-set spending limits and for new cardholders get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Downside--annual Membership fee is $250 but the first year there is a $0 introductory annual fee your first year, then $250.