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Credit Needed
Excellent
Excellent
NBT Bank Premier Rewards American Express® Card Review
Top Features
Cash Back on Gas
2%
Cash Back on Groceries
1%
Cash Back on Other
1% or 3%
Annual Fee
$0 introductory annual fee for the first 12 months, after that $99
This card compared to other cash back cards
Card Name
NBT Bank Premier Rewards American Express® Card
Cash Back on Gas
2%
Unlimited 1.5% cash back
1%
Cash Back on Groceries
1%
Unlimited 1.5% cash back
2% at grocery stores
Cash Back on Other
1% or 3%
Unlimited 1.5% cash back
1%
Purchase Intro
APR:
N/AAPR:
0% Intro APR on PurchasesPeriod:
15 monthsAPR:
N/ARegular APR
15.74% - 24.74% (Variable)
17.24 - 25.99% Variable
16.74% - 25.74% (Variable)
CardRatings.com Editorial Staff
NBT Bank Premier Rewards American Express® Card details
Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
N/A
Regular APR:
15.74% - 24.74%
Annual Fee:
$0 introductory annual fee for the first 12 months, after that $99
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Chase Freedom Unlimited®
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
Credit Needed:
Excellent, Good
Capital One® Savor® Cash Rewards Credit Card
- Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
Credit Needed:
Excellent, Good