There is a $99/year annual fee. When purchasing a flight, the actual mileage applied in points vs. dollars is really low and doesn't save you a great deal of money. If you take out a cash advance, you are billed at a daily APR, as well as regular APR -- so, if not paying it off almost immediately, your bill could get quite exhorbitant. The annual APR is very high; less with other cards I have. I just obtained another credit card, and am paying off my balance on this card completely. It isn't what it was cracked up to be; disappointed me. Also, I had the card for a couple of years; never missed a payment; always paid on time; yet when I asked for a credit limit increase on 2 separate occasions - well over 6 months apart, I was denied!! No reason given!
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