0% introductory APR on purchases for 12 months from the date of account openingTransfer points to 20-plus airline and hotel partnersNo annual fee and flexible rewards redemption options Earn 2X points on everyday business purchases up to $50,000 with no category restrictions0% introductory APR on purchases for 12 months from the date of account openingNo annual feeFlexible Membership Rewards program with transferable points Points earning reduces to 1X after $50,000 in spend each calendar year2.7% foreign transaction fee 
