Here are the pluses: You get 12,500 bonus miles the first time you use the card. You get another 12,500 bonus miles if you spend $750 in the first 90 days of opening your account. And you get up to 10,000 bonus miles with an initial balance transfer. There's a lot to like about this card when it comes to air miles.
[Let CardRatings.com help you find the right cash back credit card for you.]Then there are other travel rewards, too, with this card. You get up to two $99 companion tickets per year as well as the benefit of first class check-in. But there are restrictions on first-class check-in: Your dividend miles number must be part of your reservation.
Here are the minuses: The APR for purchases is either 15.24 percent or 18.24 percent, depending on your credit history. If you have excellent credit, you're still looking at a 15.24 percent APR at best. Now, the average APR for an airline/travel rewards credit card is 13.66 percent. So the APR for this credit card isn't a deal, especially if you only have good credit. With good credit (around 650-699), you'll most likely end up with an 18.24 percent APR. But the rewards are great, right? If you aren't planning to carry a balance, this might be a good card for you.
Another minus is the $89 annual fee. To determine if this fee is worth it, you need to figure out how much you'll be flying and then decide if the rewards outweigh the cost of the annual fee. As with all rewards cards, it's important to see if it matches up with your lifestyle and personal choices. And be sure you read the terms and conditions statement carefully so you understand how the rewards program works.
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