Specifics

• Introductory Rate: 2.9% APR for 6 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 14.49% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/a 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: $45
• Additional Cardholders: $0
• Grace Period: 20 Days
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $100,000
• Late Payment Fee: n/a
• Over-The-Limit Fee: $35
• Cash Advance Fee: n/a
• Balance Transfer Fee: There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: 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 30 major airlines. There are no blackout dates and free nights start as low as 2,000 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 $30. 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: 11/11/2008 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.
.

Important Notations

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