Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases)**: 15.24% - 19.24% variable The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 25.24% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: $65
• Additional Cardholders: $0
• Grace Period: 25 Days (Min.)
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: Up to $35
• Over-The-Limit Fee: None
• Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
• Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts. Cardholders earn double points on stays and purchases made at select Starwood retail outlets, and they earn 1 additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program.
• Point Details: Starpoints can be transferred to over 350 major airlines. There are no blackout dates and you can start redeeming with as few as 1,500 Starpoints for free nights with a combination of Cash & Points.
• Expiration: 1 Year (Points do not expire as long as the account is active within a 1-year period.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with good credit who often stay at Starwood resorts and hotels. The interest rate for purchases is reasonably low for a reward card. The annual fee is $65. Earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases (Starwood has over 750 participating hotels and resorts). Redeem points for various travel related services including free hotel stays and airline travel. Members receive 10,000 points (3 free nights at some hotels) with first purchase. Receive an additional 15,000 Starpoints if you spend $15,000 in 6 months. Points do not expire as long as you make one eligible stay per year. Transfer earned points to a variety of frequent flyer programs. Benefits include auto rental insurance, travel accident insurance, and various fraud protection services with each usage. This card will benefit those who will pay in full each month after the intro rate expires, frequently stay at Starwood Hotels and Resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel related service within a two-year period. Last Modified Date: 1/13/2012 12:00:00 AM

Additional Perks

Various Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Return protection.
Price protection service.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Emergency card replacement.
Emergency cash replacement.
Up to $100,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
See website for additional benefits.
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Important Notations

Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.