How to Earn Points and Miles for Free Travel
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Details
- Up to 5% Cash Back on Everyday Purchases, and Up to 1% on other purchases. For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases, and 0.5% on other purchases.
- Plus, after your first $6,500 in purchases, you will earn 5% on Everyday Purchases up to $50,000 and 1% on other purchases. Terms and limitations apply.
- No Annual Fee.
- Redeem the Reward Dollars you earn for cash back in the form of a statement credit, or choose from gift cards or merchandise. Redemptions start at just 25 Reward Dollars.
Pros
No Annual Fee
High cash back rate
Cons
Has interest charges
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Groceries
5% cashback
limited to $50,000
spending per year
Gas
5% cashback
limited to $50,000
spending per year
Other
1% cashback
limited to $50,000
spending per year
Balance transfer offer
Balance transfer regular apr
18.24,21.24,23.24%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
18.24,21.24,23.24%
variable
Cash advance apr
26.24%
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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