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With this American credit card, customers can earn 25,000 miles when they spend $3,000 within the first six billing cycles. Typically, cards require customers to spend that much in the first three months to qualify for the bonus offer.

The rewards program offers 3X miles on every $1 spent on travel and dining. For all other purchases, users earn 1X mile per $1 spent. Customers can easily redeem rewards for cash back, gift cards or travel rewards. Also, 25,000 bonus miles equals a $250 statement credit towards travel or dining purchases.

In addition to offering 0% APR during the first 12 billing cycles on balance transfers, the variable APR rate is 14.99%, which is significantly lower than many other competitor cards (though it’s recommended that customers pay off their card in full and on time each month). There are no foreign transaction fees, and the annual $89 fee is waived for the first year.

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