Excellent Credit

• Earn up to 25,000 Starpoints ®  — enough for up to 6 free nights at a category 1 or 2 hotel.
• Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates.
• No annual fee for the first year and $45 thereafter
• Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
• Express Approval.  Get a decision in less than 60 seconds.

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• Free Trial!
• Includes All Your Scores!
• A revolutionary new way for you to view & use your credit report.

*See website for complete terms and conditions of usage and disclosure.

• Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00%
• Earn 1 bonus point for every $1 in qualifying net retail purchases
• Turn your points into hotel, gift, or experience rewards
• Travel accident coverage up to $1,000,000
• No annual membership fee
• Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
• *See website for complete terms and conditions of card usage and application disclosure.

• Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00%
• Earn 1% in cash back credit on all qualifying purchases
• No limit on cash back; no expiration date on eligibility for accounts in good standing
• Travel accident coverage up to $500,000
• No annual membership fee
• Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
• *See website for complete terms and conditions of card usage and application disclosure.

• Variable Rate APR ranging from Prime + 5.5% thru Prime + 12.00%
• No annual membership fee
• Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
• *See website for complete terms and conditions of card usage and application disclosure.

• Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember 
• Earn one companion Coach Class ticket each year upon renewal
• Earn at least 1 mile for every eligible dollar spent
• Miles never expire and there is no cap on the miles you can earn
• Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your card
• Express Approval.  Get a decision in less than 60 seconds.

*See Card Terms and Conditions

• Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
• Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
• Built-in Miles BoostSM— earn up to 30,000 MQMs and 30,000 bonus miles 
• Complimentary Crown Room Club® access for you and two guests
• Access to American Express® Concierge Services
• Pay with Miles— pay for all or part of any Delta flight with your miles

$7,500 - Guaranteed Instant Approval! With the First Freedom Platinum Card there are no finance charges and you will never pay interest, so it's the perfect card to help repair your credit.

• No Credit Checks
• No Employment Verification
• No Annual Fees, EVER
• No Interest, EVER
• We report a new credit score to major credit bureaus.

*See Card Terms and Conditions

Get your credit back on track with Academy Credit! Start Your Free Trial Membership TODAY!

• FREE E-Books, Budgeting Tools and Other Valuable Resources!
• FREE CD-ROM Guide shows you how to make the process work for you!
• FREE Immediate Access to your Online Account!
• Credit report included!
• Fix and improve your credit!
• Remove Negative Items with Academy Credit!

*See website for complete terms and conditions of usage.