Card Features
- Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).Offer ends Jan 3,2023
- Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
- Earn 1% cash back on all other eligible purchases.
Interest Rates
Purchase APR: 19.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99%
Annual Fee
$39
Additional Cardholders: $15
Pros
- 2% cash back rate on gas, groceries, recurring payments and drug store purchases
- Low rate intro balance transfer option available
Cons
- Excellent credit needed to be approved
Bonus Offer
None
Introductory Rates
0% on balance transfers for 6 months
Reward Earnings Rate
2% cash back in select categories, 1% everywhere else
Additional Details
Grace Period: 21 Days
Minimum Credit Limit: $500
Fees
Balance Transfer Fee: See Terms*
Cash Advance Fee: See Terms*
Foreign Transaction Fee: 2.5%
Over Credit Limit Fee: $29