How to Earn Points and Miles for Free Travel
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Details
- 3 year introductory offer at Prime Rate (currently 5% variable APR) on balance transfers made in the first 60 days after account opening.
- 1% Unlimited Cash Back on all qualifying purchases.
- $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
- No annual fee.
- No foreign transaction fees.
Pros
1% cash back
No annual fee
No foreign transaction fee
Generous signup bonus
5% intro APR on balance transfers for the first 36 month
Cons
Good to excellent credit score required
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$100
$100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
Rewards
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
5%
Balance transfer intro apr duration
36 months
Balance transfer regular apr
13.24-23.24%
Balance transfer fee
3%
min $10
Rates and fees
Purchase regular apr
13.24-23.24%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$0
Cash advance fee
4%
min $10
Late payment fee
up to
$38
Return payment fee
up to
$38
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