How to Earn Points and Miles for Free Travel
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Details
- Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
- $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
- 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
- 0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
- No annual fee.
- Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
Pros
2% cash back
No annual fee
$200 cash back bonus
0% purchase and balance transfer intro APR
Cons
Good to excellent credit score required
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$200
$200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
Rewards
Gas
2% cashback
limited to $2,500
spending per quarter
Groceries
2% cashback
limited to $2,500
spending per quarter
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
15.99,17.99,20.99,23.99%
Balance transfer fee
3%
min $10
Rates and fees
Purchase regular apr
15.99,17.99,20.99,23.99%
variable
Cash advance apr
26.24%
variable
Regular annual fee
$0
Cash advance fee
3%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$37
Return payment fee
up to
$37
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