Travel & Airline Credit Cards

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Chase Freedom Flex℠

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases for 15 months	0% Intro APR on Balance Transfers for 15 months	15.74% - 24.49% Variable	$0	Excellent, Good

Chase Freedom Flex℠

Credit Needed

Excellent, Good

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Purchases Intro APR	0% Intro APR on Purchases for 15 months
Regular APR	15.74% - 24.49% Variable
Annual Fee	$0

Synchrony Premier World Mastercard®

2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
No annual fee*
$0 fraud liability
Secure online and mobile app account access
Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	14.74% - 27.74% Variable	$0	Excellent

Synchrony Premier World Mastercard®

Credit Needed

Excellent

2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
No annual fee*
$0 fraud liability
Secure online and mobile app account access
Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.

Purchases Intro APR	N/A
Regular APR	14.74% - 27.74% Variable
Annual Fee	$0

Citi Premier® Card

For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	17.49% - 25.49% (Variable)	$95	Excellent, Good

Citi Premier® Card

Credit Needed

Excellent, Good

For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Purchases Intro APR	N/A
Regular APR	17.49% - 25.49% (Variable)
Annual Fee	$95

IHG® Rewards Premier Credit Card

Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	16.74% - 23.74% Variable	$99	Excellent/Good

IHG® Rewards Premier Credit Card

Credit Needed

Excellent/Good

Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Purchases Intro APR	N/A
Regular APR	16.74% - 23.74% Variable
Annual Fee	$99

Citi Rewards+® Card

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
0% intro for 15 months on Purchases	0% intro for 15 months on Balance Transfers	14.99% - 24.99% (Variable)	$0	Excellent, Good

Citi Rewards+® Card

Credit Needed

Excellent, Good

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Purchases Intro APR	0% intro for 15 months on Purchases
Regular APR	14.99% - 24.99% (Variable)
Annual Fee	$0

Citi® / AAdvantage® Executive World Elite Mastercard®

Earn 50,000 American Airlines AAdvantage® Bonus Miles after spending $5,000 in purchases within the first 3 months of account opening
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	17.49% - 26.49% (Variable)	$450	Excellent, Good

Citi® / AAdvantage® Executive World Elite Mastercard®

Credit Needed

Excellent, Good

Earn 50,000 American Airlines AAdvantage® Bonus Miles after spending $5,000 in purchases within the first 3 months of account opening
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Purchases Intro APR	N/A
Regular APR	17.49% - 26.49% (Variable)
Annual Fee	$450

IHG® Rewards Traveler Credit Card

Earn 120,000 bonus points after spending $2,000 on purchases within the first three months of account opening
No Annual Fee
Earn up to 17 points total per $1 spent when you stay at an IHG hotel
Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	16.74% - 23.74% Variable	$0	Excellent/Good

IHG® Rewards Traveler Credit Card

Credit Needed

Excellent/Good

Earn 120,000 bonus points after spending $2,000 on purchases within the first three months of account opening
No Annual Fee
Earn up to 17 points total per $1 spent when you stay at an IHG hotel
Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Purchases Intro APR	N/A
Regular APR	16.74% - 23.74% Variable
Annual Fee	$0

Mastercard® Titanium Card™

Patented brushed stainless steel front and carbon back - weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
24/7 Luxury Card Concierge® - available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits - average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Members-only LUXURY MAGAZINE®.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 16.49% Variable APR	16.49% Variable	$195 ($95 for each Authorized User added to the account)	Excellent/Good Credit

Mastercard® Titanium Card™

Credit Needed

Excellent/Good Credit

Patented brushed stainless steel front and carbon back - weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
24/7 Luxury Card Concierge® - available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits - average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Members-only LUXURY MAGAZINE®.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	16.49% Variable
Annual Fee	$195 ($95 for each Authorized User added to the account)

Mastercard® Black Card™

Patented black-PVD-coated metal card-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 16.49% Variable APR	16.49% Variable	$495 ($195 for each Authorized User added to the account)	Excellent/Good Credit

Mastercard® Black Card™

Credit Needed

Excellent/Good Credit

Patented black-PVD-coated metal card-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	16.49% Variable
Annual Fee	$495 ($195 for each Authorized User added to the account)

Mastercard® Gold Card™

Patented 24K-gold-plated front and carbon back-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 16.49% Variable APR	16.49% Variable	$995 ($295 for each Authorized User added to the account)	Excellent/Good Credit

Mastercard® Gold Card™

Credit Needed

Excellent/Good Credit

Patented 24K-gold-plated front and carbon back-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	16.49% Variable
Annual Fee	$995 ($295 for each Authorized User added to the account)

United MileagePlus® Credit Card

Earn 1 mile for every dollar of purchases
Receive 5,000 bonus award miles upon account opening
$100,000 Travel Accident Insurance
Secondary Rental Car Insurance
Color Photo I.D.
24-Hour Customer Service
Embedded EMV chip provides an extra layer of security and greater worldwide acceptance

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	2.99% intro APR for 8 billing cycles	18.00% (Variable)	$60	Excellent Credit

United MileagePlus® Credit Card

Credit Needed

Excellent Credit

Earn 1 mile for every dollar of purchases
Receive 5,000 bonus award miles upon account opening
$100,000 Travel Accident Insurance
Secondary Rental Car Insurance
Color Photo I.D.
24-Hour Customer Service
Embedded EMV chip provides an extra layer of security and greater worldwide acceptance

Purchases Intro APR	N/A
Regular APR	18.00% (Variable)
Annual Fee	$60

Priority Destinations® World Elite Mastercard®

With the Priority Destinations World Elite MasterCard you'll enjoy more choices, more freedom and more rewards
5x Priority Miles per $1 spent on travel for the first $6,000 in a calendar year and 2x Priority Miles for all other travel purchases after that
2x Priority Miles per $1 spent on everyday purchases (gas, grocery, cable TV, phone, and other monthly utilities)
1x Priority Miles per $1 spent on everything else
No foreign transaction fees
Earn unlimited Priority Miles
Priority Miles do not expire as long as you use your card within 24 months

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	4.99% APR for 8 billing cycles	18.00% Variable	$0 for the first year. After that, the annual fee will be $50.	Excellent Credit

Priority Destinations® World Elite Mastercard®

Credit Needed

Excellent Credit

With the Priority Destinations World Elite MasterCard you'll enjoy more choices, more freedom and more rewards
5x Priority Miles per $1 spent on travel for the first $6,000 in a calendar year and 2x Priority Miles for all other travel purchases after that
2x Priority Miles per $1 spent on everyday purchases (gas, grocery, cable TV, phone, and other monthly utilities)
1x Priority Miles per $1 spent on everything else
No foreign transaction fees
Earn unlimited Priority Miles
Priority Miles do not expire as long as you use your card within 24 months

Purchases Intro APR	N/A
Regular APR	18.00% Variable
Annual Fee	$0 for the first year. After that, the annual fee will be $50.

SunTrust Travel Rewards Credit Card

$250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening
3% Unlimited Cash Back on travel qualifying purchases
2% Unlimited Cash Back on dining qualifying purchases
1% Unlimited Cash Back on all other qualifying purchases - all the time
Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck
No foreign transaction fees
$0 Intro Annual fee1 for the first year, $89 thereafter
0.0% intro APR on balance transfers for 15 months after account opening. Competitive variable rate, currently 11.24%–21.24% APR, thereafter. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% for 15 months	11.24% - 21.24% Variable	$0 first year, $89 thereafter	Excellent Credit

SunTrust Travel Rewards Credit Card

Credit Needed

Excellent Credit

$250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening
3% Unlimited Cash Back on travel qualifying purchases
2% Unlimited Cash Back on dining qualifying purchases
1% Unlimited Cash Back on all other qualifying purchases - all the time
Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck
No foreign transaction fees
$0 Intro Annual fee1 for the first year, $89 thereafter
0.0% intro APR on balance transfers for 15 months after account opening. Competitive variable rate, currently 11.24%–21.24% APR, thereafter. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply.

Purchases Intro APR	N/A
Regular APR	11.24% - 21.24% Variable
Annual Fee	$0 first year, $89 thereafter

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