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Annual Fee
$0
Rewards Rate
1%-3%
Intro Offer
N/A
Credit Score
New to Credit
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Product Details
- Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement & furnishings
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn unlimited 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- No annual fee
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Our Take
Pros:
- No annual fee
- Earns cash-back rewards on eligible purchases
- Potential for an upgrade to an unsecured card
Cons:- The rewards system can be complicated to track
- An opening deposit of $200 is required
- There’s a foreign transaction fee