| Intro APR: | N/A |
|---|---|
| Regular APR: | 9.99% - 19.99% |
| Annual Fee: | None |
| Intro Period: | N/A |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
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- Earn rewards faster with 1.25 points for every net retail purchase dollar§
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- No annual fee and the flexibility to pay over time
- Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
- Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.

