How to Earn Points and Miles for Free Travel
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Details
- A credit card — not a debit or prepaid card.
- Determine your own credit limit. When you apply, you'll open a two-year certificate of deposit (CD) with $250 to $5,000. The balance of your CD is your credit limit.
- Earn variable interest on the balance of the CD (currently 0.54% Annual Percentage Yield).
- Enjoy no foreign transaction fees when you travel outside of the United States.
- Special Benefits for Military.
- Security and Convenience.
- Retail and Travel Benefits.
Pros
Qualify with fair / no credit
No Foreign transaction fees
Cons
Has annual fee
No rewards
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Balance transfer offer
Balance transfer regular apr
11.65-21.65%
variable
Balance transfer fee
3%
Rates and fees
Purchase regular apr
11.65-21.65%
variable
Cash advance apr
11.65-21.65%
variable
Regular annual fee
$35
Cash advance fee
3%
Foreign transaction fee
0%
Late payment fee
up to
$35
Return payment fee
up to
$35
Secured card details
Posting to credit bureau
Free credit score
Secured deposit
$250
- $5,000
Credit Limit
Equal to deposit
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