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Annual Fee
$0
Rewards Rate
1.5%
Intro Offer
$200
Credit Score
690-850 (Good – Excellent)
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Product Details
- Earn a $200 bonus after spending $1,000 in the first 90 days.
- Unlimited 1.5% cash back on all purchases.
- Enhanced cash back earnings for Preferred Rewards members (up to 2.62%).
- No annual fee and no expiration on cash rewards.
- 0% Intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days, then a variable APR of 18.24% – 28.24%.
- Contactless card for convenient payments.
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Our Take
Pros:
- Simple and consistent 1.5% cash back on all purchases
- No minimum cash-back redemption
- Potential for increased cash back for Preferred Rewards members
Cons:- Base cash back rate is not as competitive
- Cash back cannot be transferred to external bank accounts