Annual Fee $0
Rewards Details Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Credit Rating Excellent/Good Credit
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Introductory APR 0%
Introductory APR Period 15 months
Introductory Balance Transfer APR 0%
Introductory Balance Transfer Period 15 Months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Ongoing APR 16.74% - 25.49% Variable
Penalty APR None
Cash Advance APR 26.74% Variable
Intro Bonus Tier Level Below Average
Rewards Tier Level Excellent
Perks Tier Level None
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Free credit score, updated weekly with Credit Journey℠
- No annual fee