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Credit and Debt


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Credit and Debt:

The idea of credit is so common today that we take for granted it will always be there and that everyone knows what it means.  So if someone were to come up and ask you what the term “credit” meant, what would you say?  Would you define it by the form it was in; you know, like credit cards, checks, etc.?  Or would you define it by purpose: payday advance loan, home improvement or other?There are many ways to think of credit, but if you want to get right to the core you might as well think of it as a way to get something, a method of exchange, that let’s you get what you want- to get the product of someone else’s labor, without having to use money.

There are many reasons we need credit.  Many of the reasons we need credit will occur to most of us at one time or another over the course of our lives.When we were children we used to be able to get many of the things that we wanted through the generosity of family and friends.  As kids we were used to the idea of getting the things that we wanted on our birthdays.  Certain holidays have become cultural mainstays and that condition the child to expect gift-getting.  On Christmas, for instance, Santa Claus is expected to give children the things that they want at no investment.  The Tooth Fairy is expected to leave cash beneath a child’s pillow as they lose their baby teeth.

These quaint traditions are heart warming and cute, but they do not duplicate real-world conditions very accurately.  (Unless, of course, one looks at the gift giving holidays- particularly at the spate of Christmas season holidays- from the perspective of the gift purchasing adult.)Many of us have our first experience with the notion of credit during our high school years.  It is about this time that the youth will find themselves wanting something- it was usually sports equipment or a bicycle in the old days- that is beyond their means to purchase at the time.  It is at this time that many get a job so they can save up the money to make the purchase.  The jobs vary from formal employment at a burger joint, or some such foolishness, to informally contracted tasks such as yard work or pool cleaning.

Then there are those who use this as their first opportunity to venture into the world of credit.  They will make a deal with the seller, promising to pay the dealer a certain amount of money every week or so in exchange for possession and use of the item now.  And these arrangements are particularly attractive to the seller when the item sold will be used to generate pay that can be used to meet the periodic payments.  (You will note that the paperboy always had a bicycle; and that he used that bike to help him in his deliveries.) For others the first look at the world of credit would come with high school graduation and the attendance of college.  Few high school graduates can meet their complete costs of tuition, books, room, and board and associated living expenses from the first day of college through their graduation.  The student loan program is the hero that comes to their rescue; providing them the principal funding to meet tuition and some associated expenses on a payment plan that suspends their duties until sometime after they’re finished with their collegiate studies.Those high school graduates who elect to go straight into the job market after they finish school are usually no less likely to encounter the need for credit as well.  Many will need transportation as a means to get to and from work, or as part of the equipment for work.  If the individual wishes to buy a new car or truck today the impressive sticker prices will almost surely require that they finance the purchase through a money lender.  This lender may be the seller themselves or some third party lending agency, such as a bank, but the nuts and bolts of the arrangement will be the present lending of purchase value in exchange for the promise of periodic payment.

After graduation, or after some time in the workplace, the individual may want to make another sizeable purchase; that of a family home.  This is perhaps the cornerstone of the American Dream and one of the reasons we are so proud of our wonderful way of life.  Nowhere in the world can so many people realize the dream of owning their own homestead and be free to live their lives free and with dignity.  You expect to own a home someday, right?Well just look at the bloated housing market- the prices climbing steeply to ever higher levels virtually every day- mean that meeting your dream is going to cost you more now that it ever has, or probably ever will, in history.  Guess what that means?  Yup, you’re going to need credit- a considerable amount over a significant period of time, most likely.

In all these cases the buyer has chosen, instead of waiting to have worked the hours necessary to accumulate the needed earnings the seller needs, to promise a set portion of future labor and earnings as a guarantee so you can get the item now.  (Your history of how you pay off obligations is your “credit rating” – but more on that later.)If credit is the stated promise to make good on the value loaned than we can think of debt as the obligation created from formation of a credit transaction.  It is the full amount that the debtor is obliged to pay back on account of this relationship.

Now it should not be so surprising that the levels of credit and debt are often unequal.  Think about it for a moment and you will see why this is trueIf you purchase something like land, for instance, with debt and it rises in value, the present value will be more than the debt.   The buyer will then have received extra value as a result of the purchase.

A similar thing can happen on the seller’s side.  A seller who is financing the purchase of his product has a strong reason for giving you credit- especially if the item he is selling is expensive.  An owner selling their own home or an auto salesman can probably be pretty certain that a large majority of their clients will not be able to pay cash for the purchase.  In these cases some sellers will be ready to provide some sort of financing for buyers who don’t have the full purchase price up front.But many sellers don’t want to go into the financing business.  Their reasons vary, form not wanting to undertake financing operations as a part of their business to lack of value to extend the desired consumer credit to the reluctance to take the risk of writing to see if the buyer will be able to perform payments as promised over time. 

 
 
 

SimplyCash® Business Card from American Express®
  • Earn 5% cash back on auto gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases.
  • 0% introductory APR on purchases for the first 12 months and a competitive APR thereafter.
  • Cash back is automatically credited to the statement each month.
  • No annual fee with the flexibility to pay in full or carry a balance.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase Flexible Rewards Platinum Visa® Card
  • Earn 1 point for every dollar spent
  • Earn airline tickets, hotel stays, or car rentals
  • 0% introductory APR for up to 12 months on all purchases and balance transfers
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Miles by Discover® Card
  • Book any travel, anytime with no blackout dates or restrictions
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases
  • Unlimited Miles that never expire as long as you use your card
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® More(SM) Card – Sealife Collection
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

HSBC Platinum MasterCard® with Cash Back Rewards
  • Earn unlimited 1% cash back rewards on new net retail purchase, everywhere you shop!
  • Simple and straightforward rewards: no earnings caps, spending categories, tiers or point expiration
  • 0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee, for qualifying applicants*
  • Instant decision in as little as 60 seconds
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American Express® Business Gold Rewards Card
  • Business ownership has become more rewarding
  • Earn up to 40,000 bonus points in one year – enough for one domestic round-trip airline ticket plus other business supplies.
  • Points have no expiration date
  • No limit to the number of Membership Rewards® points you can earn
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American Express® Business Green Rewards Card
  • Receive 5,000 bonus points on your first purchase
  • No preset spending limit* or finance charges
  • Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
  • Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Starwood Preferred Guest® Business Credit Card from American Express®
  • Earn 10,000 Starpoints® with your first purchase – that’s good for up to 3 free nights!
  • Earn 1 Starpoint® for virtually every dollar you spend and 2 Starpoints® at participating Starwood hotels and resorts
  • Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
  • Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® Open Road(SM) Card
  • 0% Intro APR on Purchases and Balance Transfers
  • 5% Casback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% unlimited Cashback Bonus® on all other purchases
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase PerfectCard(TM) MasterCard®
  • 6% rebates on ALL gas purchases at ANY gas station for the first 90 days
  • 3% rebates on ALL gas purchases at ANY gas station after the first 90 days
  • 1% rebates on ALL other purchases made anywhere
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase Business Rebate Card
  • 3% Cash Back for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
  • 1% Cash Back on all other purchases
  • 0% introductory APR for up to 12 months on all purchases and balance transfers
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

HSBC Platinum MasterCard with HSBC Plus Rewards
  • Earn 1 point for every dollar in net retal purchases, regardless of where you shop.
  • Redeem your points for cash, or airfare, hotel stays, car rentals, merchandise, gift cards and more…
  • Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualified applicants.*
  • No annual fee, for qualified applicants.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

HSBC Weekend Card
  • Earn a full 2% cash back on every new net retail purchase made on Saturdays and Sundays
  • Receive 1% cash back on new net retail purchases made Monday through Friday
  • Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
  • 0% Introductory APR on card purchases and balance transfers for 12 months with no annual fee, for qualified applicants*
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® More(SM) Card
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® More(SM) Card – Clear
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase Business Cash Rewards Visa® Card
  • Earn up to 5% cash back with unlimited rewards potential.
  • With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.
  • 0% Intro APR for up to 6 months
  • Pay No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

HSBC Platinum Visa® with Cash Back Rewards
  • Earn unlimited 1% cash back rewards on new net retail purchase, everywhere you shop!
  • Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
  • 0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee, for qualifying applicants*
  • Instant decision in as little as 60 seconds
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

The Nest Credit Card from American Express®
  • Start out with a great nest-warming gift – 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.
  • Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
  • No annual fee. Pay over time or in full.
  • Exclusive Welcome Gift: The Nest Planning Kit, filled with many helpful items to get the two of you started including The Nest planning binder, designed to help you organize and manage home expenses and joint finances.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® More(SM) Card – Wildlife Collection
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase Free Cash Rewards(SM) Visa® Card
  • Earn 1 point for every dollar spent
  • 1,000 Bonus Points with your first purchase
  • 0% introductory APR for up to 12 months on all purchases and balance transfers
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Blue Cash® for Business Credit Card from American Express®
  • Up to 5% Cash Back on virtually all purchases
  • No limit to the cash back you can earn
  • No annual fee
  • 0% Intro APR for first 6 months
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Blue Cash® from American Express®
  • “Best Cash-Rebate Card” by Kiplinger’s Personal Finance*
  • Up to 5% Cash Back with Unlimited Cash Rewards
  • Earn unlimited cash back
  • 0% Intro APR for 6 months on purchases
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American DreamCard MasterCard®
  • Large monthly cash jackpots!
  • No Annual Fee
  • Earn entries from everyday shopping!
  • Get 1,000 entries just for applying!
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase Freedom(SM) Credit Card
  • 3% cash back Earn the most where you spend the most. 1% cash back on everything else.
  • 15 Categories earn triple rewards at the types of places you spend the most.
  • Change from earning cash to points and back again.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Gold Delta SkyMiles® Credit Card from American Express®
  • Earn 15,000 bonus SkyMiles® after your first purchase with the Card
  • Earn 2,500 bonus miles for adding an Additional Cardmember with their application
  • Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
  • Earn one SkyMile for virtually every dollar you spend
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

BP Visa® Rewards Card from Chase
  • Earn up to 10% in introductory rebates
  • Earn up to 5% in rebates
  • There’s no limit to the number of rebates you can earn!
  • No annual fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Clear from American Express®
  • No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
  • Automatic Rewards. You’ll get an American Express® branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
  • Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
  • No annual fee and 0% intro APR for up to 12 months.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American Express® Preferred Rewards Gold Card
  • No annual fee for the first year – $125 Thereafter
  • Earn 10,000 Membership Rewards® bonus points after your first purchase with the card – redeemable for a $100 gift card!
  • No pre-set spending limit
  • The Membership Rewards® program – Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Blue from American Express®
  • Membership Rewards Express(SM) program
  • 0% APR on purchases for up to 15 months
  • No Annual Fee
  • Low Balance Transfer APR – 4.99% Fixed APR for the life of the balance
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Blue Sky from American Express®
  • Earn points on everything you buy with the Card.
  • Redeem points to save on any airline, hotel, rental car or cruise – up to $100 off for every 7,500 points.
  • Earn 1 point for every dollar you spend
  • Travel anytime: No blackout dates or restrictions
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American Express® Preferred Rewards Green Card
  • No annual fee for the first year – $95 thereafter.
  • Earn 5,000 Membership Rewards® bonus points after your first purchase with the card – redeemable for a $50 gift card!
  • The Membership Rewards® program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs.
  • Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

JetBlue® from American Express®
  • Get 50 TrueBlue® points after your first purchase – that’s half way to an award flight!
  • TrueBlue® points don’t expire. Use your Card or fly JetBlue® and we extend the life of your points for a full year
  • Earn one Award Dollar for virtually every dollar you spend
  • Earn Double Award Dollars on entertainment, leisure, travel and dining
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Starwood Preferred Guest® Credit Card from American Express®
  • Earn 10,000 Starpoints® with your first purchase – enough for up to 3 free nights at a category 1 or 2 hotel.
  • Earn 15,000 bonus Starpoints® after you spend $15,000 in 6 months
  • Winner – “Best Affinity Credit Card” at the 19th Annual Freddie Awards – voted on by frequent travellers
  • Use Starpoints® for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Chase TravelPlus Visa® Card
  • Earn 2 miles per $1 on travel purchases
  • Earn 1 mile per $1 on all other purchases
  • Annual rewards fee of $29
  • Redeem for airline tickets, cash, gift cards and more!
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

One from American Express®
  • No Pre-Set Spending Limit
  • Get $50 after your first purchase
  • Earn a competitive Annual Percentage Yield (APY), currently 3.50% (variable rate as of 3/4/2008).
  • Never pay interest on new purchases
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

HSBC Platinum MasterCard® with Cash or Fly Rewards
  • Earn 1 point for every dollar of net retail purchases, everywhere you shop.
  • Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points or redeem points for 1% cash back
  • Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
  • No annual fee, for qualifying applicants
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® Motiva(SM) Card
  • 5% to 20% Cashback Bonus® at top online retailers
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Discover® More(SM) Card – American Flag
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

The Knot Credit Card from American Express®
  • Start out with a great wedding gift – 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.
  • Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
  • Track all of your wedding – related expenses with the Card on one monthly statement.
  • No annual fee. Pay over time or in full.
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

IN:NYC® from American Express®
  • Earn one INSIDE(SM) Rewards point for virtually every eligible dollar you spend in New York City.
  • Points have no expiration date and you can redeem points for rewards in New York.
  • 0% APR for 6 months
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

IN:LA® from American Express®
  • Earn one INSIDE(SM) Rewards point for virtually every eligible dollar you spend, whether you’re in Los Angeles or not.
  • Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.
  • 0% APR for 6 months
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

IN:CHICAGO® from American Express®
  • Earn one INSIDE(SM) Rewards point for virtually every eligible dollar you spend, whether you’re in Chicago or not.
  • Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
  • 0% APR for 6 months
  • No Annual Fee
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Gold Delta SkyMiles® Business Credit Card from American Express®
  • Get 15,000 SkyMiles® with first purchase
  • Earn up to 30,000 Bonus Miles in your first year
  • Save 5% on all Delta flights with your Card
  • One Delta mile for virtually every dollar you spend
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

American Express® Platinum Business FreedomPass(SM) Credit Card
  • 5,000 point welcome bonus with first purchase
  • Earn 1 point for virtually every dollar you spend
  • Redeem for savings on any flight, hotel, car rental or cruise
  • No blackout dates and no travel restrictions
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

JetBlue® Business Card from American Express®
  • Exclusive benefit for JetBlue Business Cardmembers: 5% savings on JetBlue® flights purchased with your Card
  • 50 TrueBlue® points, worth 1/2 of a free flight, after your first purchase
  • Earn 1 Award Dollar for virtually every dollar you spend
  • Earn double Award Dollars on JetBlue® purchases, gas, wireless phone charges, and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Hilton HHonors® Platinum Credit Card from American Express®
  • Earn 10,000 HHonors bonus points after your very first purchase on the Card – enough for a free night
  • Earn 15,000 bonus points after you spend $5,000 in 5 months – that’s in addition to the 15,000 points you would earn for your Card spending
  • Earn 10,000 HHonors bonus points over the course of your first four stays at any participating Hilton Family hotels (2,500 HHonors bonus points each stay)
  • Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments and more
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
 
 
 

Blue for Business® from American Express®
  • 0% introductory APR on purchases for the first 15 months
  • No annual fee
  • Enroll in the Membership Rewards Express® program for free
  • Save money with OPEN Savings®
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
 
 
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