Credit Card Comparison

[Pages:10]Financial Institution

Rhode Island Credit Union

Card Name

Rewards Credit Card

Credit Card Comparison

Annual Percentage Rate (After Introductory 3.90% APR)

Annual Fee

Non-Variable

$0

Rate

9.90% - 14.90%

Balance Transfer

Fee

$0

Balance Transfer Rate

(After Introductory 3.90% APR)

Non-Variable Rate 9.90% - 14.90%

Cash Advance

Fee

2.50%

Cash Advance Rate

Non-Variable Rate

9.90% - 14.90%

Rewards

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution American Express

Card Name

Blue Cash Everyday Card

American Express Everyday Card

Annual Percentage Rate (After Introductory

Rates) Variable

Rate 15.24%26.24% Variable

Rate 15.24%26.24%

Annual Fee $0 $0

Balance Transfer Fee

Greater of 3% of

transfer or $5 $0

Balance Transfer Rate (After Introductory Rates)

Variable Rate 15.24%26.24%

Variable Rate 15.24%26.24%

Cash Advance Fee

Greater of 3% of advance or

$5

Greater of 3% of advance or

$5

Cash Advance

Rate

Variable Rate

27.49%

Variable Rate

27.49%

Balance paid $550

N/A

N/A

Platinum Card

in full

monthly

N/A

N/A

Rewards

3% back on supermarket; 2% gas and select stores; 1% all other purchases

20% extra points if you make 20 purchases in a cycle; 2 points per $1 spent at supermarkets; 1 point per $1 all other

purchases 5 point per $1 on flights

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Credit Card Comparison

Financial Institution

Rhode Island Credit Union

Card Name

Annual Percentage Rate (After Introductory 3.90% APR)

Annual Fee

Rewards

Non-Variable

$0

Credit Card

Rate

9.90% - 14.90%

Balance Transfer

Fee

$0

Balance Transfer Rate

(After Introductory 3.90% APR)

Non-Variable Rate 9.90% - 14.90%

Cash Advance

Fee

2.50%

Cash Advance Rate

Rewards

Non-Variable Rate

9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in

90 days

Financial Institution American Express

Card Name

Premier Rewards Gold

Card

Annual Percentage Rate (After Introductory

Rates) Balance paid

in full monthly

Annual Fee $250

Balance Transfer Fee

N/A

Balance Transfer Rate (After Introductory Rates)

N/A

Cash Advance Fee

N/A

Cash Advance

Rate

N/A

Balance paid

$95

N/A

N/A

in full

American

monthly

Express Green

Card

N/A

N/A

Rewards

4 points on restaurants and supermarkets; 3

points on flights; 1 point on all other purchases

2 points for every $1 at ; 1 point on all other purchases

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Financial Institution

Rhode Island Credit Union

Card Name

Rewards Credit Card

Credit Card Comparison

Annual Percentage Rate (After Introductory 3.90% APR)

Annual Fee

Balance Transfer

Fee

Balance Transfer Rate

(After Introductory 3.90% APR)

Cash Advance

Fee

Cash Advance Rate

Non-Variable

$0

Rate

9.90% - 14.90%

$0

Non-Variable Rate 2.50%

Non-Variable

9.90% - 14.90%

Rate

9.90% - 14.90%

Rewards

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution

Card Name

Bank Americard Travel Rewards

Bank Americard

Annual Percentage Rate (After Introductory

Rates) Variable Rate

17.24%25.24%

Variable Rate 15.24%25.24%

Bank of America

BankAmericard Premium Rewards

Bank Americard Cash Rewards

Variable Rate 18.24%25.24%

Variable Rate 16.24%26.24%

Annual Fee $0 $0

$0

$0

Balance Transfer

Fee

Balance Transfer Rate (After Introductory Rates)

Cash Advance Fee

Cash Advance Rate

Rewards

Greater of 3% of transfer or $10 Greater of 3% of transfer or $10

Greater of 3% of transfer or $10

Greater of 3% of transfer or $10

Variable Rate 17.24%25.24%

Variable Rate 15.24%25.24%

Variable Rate 18.24%25.24%

Variable Rate 16.24%26.24%

Greater of 3% of

advance or $10

Greater of 3% of

advance or $10

Greater of 3% of

advance or $10

Greater of 3% of

advance or $10

Variable Rate 20.24%27.24

Variable Rate 18.24%27.24

Variable Rate 21.24%27.24

Variable Rate 19.24%-27.24%

1.5 points for every $1 in purchases

None

2 points per $1 on travel and dining; 1.5 points per $1 on all other purchases

1% everywhere; 2% grocery; 3% gas; up to $2500 quarterly spending

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Credit Card Comparison

Financial Institution

Rhode Island Credit Union

Card Name

Annual Percentage Rate (After Introductory 3.90% APR)

Annual Fee

Rewards Credit Non-Variable

$0

Card

Rate

9.90% - 14.90%

Balance Transfer

Fee

$0

Balance Transfer Rate

(After Introductory 3.90% APR)

Non-Variable Rate 9.90% - 14.90%

Cash Advance

Fee

2.50%

Cash Advance Rate

Rewards

Non-Variable Rate 9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution Capital One

Card Name QuicksilverOne

VentureOne

Annual Percentage Rate (After Introductory

Rates) Variable Rate

26.99%

Variable Rate 14.24%24.24%

Annual Fee

$39 $0

Balance Transfer Fee

$0 $0

Balance Transfer Rate (After Introductory Rates)

Variable Rate 26.99%

Variable Rate 14.24%24.24%

Cash Advance Fee

Greater of 3% of advance or

$10 Greater of 3% of advance or

$10

Variable rate

$0

15.24%-

Quicksilver

25.24%

3%

Variable rate Greater of 3%

15.24%-

of advance or

25.24%

$10

Variable rate

$95

Venture

15.24%-

25.24%

$0

Variable rate Greater of 3%

15.24%-

of advance or

25.24%

$10

Cash Advance

Rate

Variable Rate

26.99% Variable

Rate 24.24%

Variable rate

25.24%

Variable rate

25.24%

Rewards

1.5% back on purchases

1.25 miles for every $1 spent

1.5% cash back on purchases

2 miles for every $1 spent

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Credit Card Comparison

Financial Institution

Card Name

Annual Percentage Rate (After Introductory 3.90% APR)

Annual Fee

Balance Transfer

Fee

Rhode Island Rewards Credit Non-Variable

$0

$0

Credit Union

Card

Rate

9.90% - 14.90%

Balance Transfer Rate

(After Introductory 3.90% APR)

Non-Variable Rate 9.90% - 14.90%

Cash Advance

Fee

2.50%

Cash Advance Rate

Rewards

Non-Variable Rate 9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution

Chase Bank

Card Name

Slate Sapphire Preferred

Freedom Unlimited

Annual Percentage Rate (After Introductory

Rates) Variable Rate

17.24%25.99% Variable Rate 18.24%25.24%

Annual Fee

$0 $95

Balance Transfer Fee

Balance Transfer Rate (After Introductory Rates)

Cash Advance Fee

Cash Advance

Rate

Rewards

Greater of 5% of transfer or

$5 Greater of 5% of transfer or

$5

Variable Rate 17.24%25.99%

Variable Rate 18.24%25.24%

Greater of 5% of advance or

$10 Greater of 5% of advance or

$10

Variable Rate

27.24% Variable

Rate 27.24%

None

2 points for every $1 spent on travel and dining; 1 point per $1 spent on all other purchases

Variable Rate

$0

Greater of 5% Variable Rate Greater of 5% Variable 1.5% unlimited cash back

17.24%-

of transfer or

17.24%-

of advance or

Rate

25.99%

$5

25.99%

$10

27.24%

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Financial Institution

Rhode Island Credit Union

Credit Card Comparison

Card Name

Annual Percentage Rate

(After Introductory 3.90% APR)

Annual Fee

Balance Transfer

Fee

Rewards Credit Non-Variable

$0

$0

Card

Rate

9.90% - 14.90%

Balance Transfer Rate

(After Introductory 3.90% APR)

Non-Variable Rate 9.90% - 14.90%

Cash Advance

Fee

2.50%

Cash Advance Rate

Rewards

Non-Variable Rate 9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution Citi Bank

Card Name

Citi Rewards Card

Citi/AAdvantage Platinum Select

World Mastercard

Citi Double Cash MasterCard

Citi Simplicity Card

Annual Percentage Rate (After Introductory

Rates) Variable

Rate 15.74%25.74% Variable

Rate 17.99%25.99% Variable

Rate 15.74%25.74%

Variable Rate

16.24%26.24%

Annual Fee $0 $99 $0 $0

Balance Transfer

Fee

Greater of 3% of

transfer or $5

Greater of 3% of

transfer or $5

Greater of 3% of

transfer or $5

Greater of 5% of

transfer or $5

Balance Transfer Rate (After Introductory Rates)

Variable Rate 15.74%25.74%

Variable Rate 17.99%25.99%

Variable Rate 15.74%25.74%

Variable Rate 16.24%26.24%

Cash Advance Fee

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Cash Advance

Rate

Variable Rate

27.49%

Variable Rate

22.49%

Variable Rate

27.49%

Variable Rate

16.24%26.24%

Rewards

2 points per $1 spent on supermarkets and gas; 1 point per $1 spent on all

other purchases Earn miles only

1% cash back on all purchases; 1% cash back when you make payments

None

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Financial Institution

Rhode Island Credit Union

Card Name

Rewards Credit Card

Credit Card Comparison

Annual Percentage Rate

(After Introductory 3.90% APR)

Annual Fee

Balance Transfer

Fee

Non-Variable Rate $0

$0

9.90% - 14.90%

Balance Transfer Rate

(After Introductory 3.90% APR)

Cash

Cash Advance Rate

Advance Fee

Rewards

Non-Variable Rate 9.90% - 14.90%

2.50%

Non-Variable Rate 9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution Citizens Bank

Card Name

Citizens Bank Clear Value MasterCard

Citizens Bank Cash Back Plus

World MasterCard

Annual Percentage Rate (After Introductory

Rates) Variable

Rate 14.74%22.74% Variable

Rate 16.74%24.74%

Annual Fee $0 $0

Balance Transfer Fee

Greater of 3% of

transfer or $10

Greater of 3% of

transfer or $10

Balance Transfer Rate (After Introductory Rates)

Cash Advance Fee

Variable Rate 14.74%22.74%

Greater of 3% of advance or

$10

Variable Rate 16.74%24.74%

Greater of 3% of advance or

$10

Cash Advance

Rate

Variable Rate

24.74%

Variable Rate

24.74%

Rewards None

1.8% cash back

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

Financial Institution

Rhode Island Credit Union

Card Name

Rewards Credit Card

Credit Card Comparison

Annual Percentage Rate

(After Introductory 3.90% APR)

Annual Fee

Balance Transfer

Fee

Non-Variable Rate $0

$0

9.90% - 14.90%

Balance Transfer Rate

(After Introductory 3.90% APR)

Cash

Cash Advance Rate

Advance Fee

Rewards

Non-Variable Rate 9.90% - 14.90%

2.50%

Non-Variable 9.90% - 14.90%

Cash, gift cards, travel, merchandise; 1 point for every $1 in purchases; 10,000 bonus points after spending $1,000 in 90 days

Financial Institution Discover Southwest

Card Name

Discover it Miles Card

Discover It Card

Discover It Gas and Restaurant

Card

Rapid Rewards

Annual Percentage Rate (After Introductory

Rates) Variable

Rate 14.24%25.24%

Variable Rate

14.24%25.24% Variable

Rate 14.24%25.24% Variable

Rate 18.24%25.24%

Annual Fee $0 $0 $0 $99

Balance Transfer Fee

3%

3%

3%

Greater of 5% of

transfer or $5

Balance Transfer Rate (After Introductory Rates)

Variable Rate 14.24%25.24%

Variable Rate 14.24%25.24%

Variable Rate 14.24%25.24%

Variable Rate 18.24%25.24%

Cash Advance Fee

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Greater of 5% of advance or

$10

Cash Advance

Rate

Variable Rate

27.24%

Variable Rate

27.24%

Variable Rate

27.24%

Variable Rate 27. 27.24%

Rewards

1.5 Unlimited Miles on purchases

5% cash back in categories that change each quarter; 1% cash back on all other

purchases 2% in certain categories; 1% cash back on all other

purchases

2 points per $1 spent on Southwest; 1 point per $1

on other purchases

Credit Card Comparison is based on information collected from financial institution websites in February 2019 and may have changed. Non-Variable Rates will not change without advanced notification while Variable Rates fluctuate based on an index and do not require any notification. Comparison does not include promotional or introductory offers. For exact rates and terms, please contact the financial institution.

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