How to Earn Points and Miles for Free Travel
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Details
- $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- Earn 1% cash back on all other purchases – with no limit to the amount you can earn.
- Cash Back rewards do not expire as long as your account is open.
- Redeem rewards on cash back, gift cards and travel.
- Travel & purchase coverage.
Pros
$500 bonus cash back
No annual fee
0% Intro APR for 12 months on purchases and balance transfers
Cons
Good to excellent credit score required
Has foreign transaction fees
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$500
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
Rewards
Office Supply
5% cashback
limited to $25,000
spending per year
Telecom
5% cashback
limited to $25,000
spending per year
Gas
2% cashback
limited to $25,000
spending per year
Dining
2% cashback
limited to $25,000
spending per year
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
15.24-21.24%
variable
Balance transfer fee
5%
min $5
Rates and fees
Purchase regular apr
15.24-21.24%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$0
Cash advance fee
5%
min $15
Foreign transaction fee
3%
Late payment fee
up to
$39
Return payment fee
up to
$39
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