How to Earn Points and Miles for Free Travel
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Details
- Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
- No annual fee.
- Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
- Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
- Earn 1% Cash Back on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
- Travel and shopping benefits.
Pros
No annual fee
Generous signup bonus
Competitive cash back on groceries
Good cash back rate on gas
Cons
0% APR for purchases and balance transfer for 15 month, then a regular APR is applied
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$200
Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Welcome offer not available to applicants who have or have had this Card.
Rewards
Supermarkets
3% cashback
limited to $6,000
spending per year
Gas
2% cashback
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
15 months
Balance transfer regular apr
14.74-25.74%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
14.74-25.74%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$0
Cash advance fee
3%
min $5
Foreign transaction fee
2.7%
Late payment fee
up to
$38
Return payment fee
up to
$38
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