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Annual Fee
Rewards Rate
Intro Offer
25,000 bonus points
Credit Score
Good/Excellent (700 – 749)
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Product Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
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Our Take
Pros:
- No foreign transaction fee
- Flexible rewards redemption options
- Unlimited 1.5 points per $1 on all spending
- Easy-to-earn welcome bonus
Cons:- High balance transfer fee.
- No bonus categories to boost rewards.
- High penalty APR and late fee.