
Rewards & conditions
No ongoing rewards program published
A security deposit of at least $300 is required in a BMO savings account; credit limit equals the approved security deposit. Phone insurance has exclusions.
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No ongoing rewards program published
A security deposit of at least $300 is required in a BMO savings account; credit limit equals the approved security deposit. Phone insurance has exclusions.
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No ongoing rewards program published
Promotional financing: 0% purchase APR for 12 months; then 15.49%–24.49% variable
Financing-focused card. Introductory APR applies to eligible purchases; no purchase-rewards program confirmed.
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5 points/$1 on phone and internet; 4 points/$1 on office supplies and printing; 3 points/$1 on gas and EV charging; 2 points/$1 on dining; 1 point/$1 elsewhere; $750 quarterly cap per bonus category, then 1 point/$1
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. $750 quarterly cap per bonus category, then 1X. Annual bonus spend is total qualifying spend within 12 months, not an additional $50,000 after the first tier.
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5% streaming/cable; 3% gas/EV and grocery on first $1,500 combined eligible purchases each quarter; 1% other
Limited-time double-cash-back offer requires application from September 1 through November 1, 2026 and applies to eligible first-year purchases. Gas/EV charging/grocery 3% rewards share a $1,500 combined quarterly purchase cap; other exclusions and merchant coding rules apply.
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4 points/$1 on airfare and dining; 3 points/$1 on hotels, tours, travel agencies and cruises; 2 points/$1 on rideshare, taxis and car rentals; 1 point/$1 elsewhere
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. $3,000 quarterly limit per bonus category, then 1X. Credits and lounge benefits require qualifying transactions or enrollment.
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No ongoing rewards program published
Promotional financing: 0% purchases for 15 months; 0% balance transfers for 15 months from first transfer, for transfers within 90 days; 5% transfer fee, minimum $10
Introductory transfer timing and fees apply; phone coverage requires the monthly phone bill to be paid with the card.
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2 points/$1 on gas, EV charging and groceries on first $1,500 combined each quarter, then 1 point/$1; 1 point/$1 elsewhere
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Gas, EV charging and grocery purchases share a $1,500 quarterly cap.
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4 points/$1 on gas, EV charging, groceries and dining; 2 points/$1 on hotels and airfare; 1 point/$1 elsewhere, subject to quarterly caps
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Each bonus group is capped at $2,000 combined purchases per calendar quarter, then 1X.
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5 points/$1 on bp/Amoco non-fuel in-store purchases; 3 points/$1 on groceries and dining; 1 point/$1 on other eligible non-fuel purchases; 15¢/gallon ongoing fuel discount
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Fuel purchases do not earn points. 50¢/gallon introductory offer applied to openings May 18–September 30, 2026 and is not current on October 1. Paper statement fee $1.99.
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Synchrony
No ongoing rewards program; value is BrandsMart USA promotional financing.
Promotional financing: Six months deferred interest on select purchases over $180; 12 months on select TV/electronics purchases over $299; category-specific equal-payment offers may run longer
Financing applies only to qualifying products and may be category- or model-specific. Purchases must satisfy the applicable threshold; deferred interest is charged from purchase date if not paid in full. Longer equal-payment campaigns require fixed payments.
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Bread Financial / Comenity
Unlimited 2% cash back on eligible purchases
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Issued by Comenity Capital Bank. No current public welcome-bonus or introductory APR was confirmed; this does not mean targeted offers cannot exist.
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Bread Financial / Comenity
3 points/$1 on gas, groceries, dining and utilities; 1 point/$1 elsewhere; 25% additional points after 20 purchases in a billing cycle
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. 25% additional points requires 20 posted purchases per billing cycle. Wholesale clubs excluded from grocery; delivery services excluded from dining. Utility category covers eligible electric, gas, water and sewer. Issued by Comenity Bank.
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Barclays US
BreezePoints earnings, status-qualifying activity and Breeze travel benefits
Bonus BreezePoints apply only to eligible net purchases and may exclude balance transfers, cash advances, fees and returned purchases. Airline benefits and status-qualifying activity require an open account in good standing and are governed by Breeze program rules. A balance-transfer fee of $5 or 5%, whichever is greater, applies.
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Synchrony
Financing solution for eligible equipment purchases | Promotional financing varies by location | Convenient monthly payments
Promotional financing: A financing solution for commercial/ residential equipment purchases through authorized dealers & online Acceptance is limited to the named merchant or participating partner network. Promotional financing is subject to qualifying-purchase thresholds and minimum payments; deferred interest may be charged from the purchase date if the promotional balance is not paid in full by the deadline. Offers vary by merchant and purchase.
Acceptance is limited to authorized dealers and participating online merchants. Promotional financing terms and qualifying thresholds vary by location and purchase; minimum monthly payments and deferred-interest terms may apply.
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3 Avios/$1 on British Airways, Aer Lingus and Iberia flights; 2 Avios/$1 on hotels booked direct; 1 Avios/$1 other
Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.
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American Express
2X on eligible travel booked through AmexTravel.com; 1X other eligible purchases
2X is limited to eligible flights and prepaid hotels booked through AmexTravel.com or the Amex Travel App. Pay Over Time accrues interest and is limited to eligible charges and the account's Pay Over Time limit.
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Capital One
2% back on Bass Pro Shops and Cabela's purchases; CLUB points offers apply
Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.
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Capital One
No rewards focus; credit-building card
No rewards are earned. Eligibility, balance-transfer timing, credit line, fees, and APR terms are governed by the issuer application and card agreement.
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