A card that rewards you for your spending.
- Earn 1 point per $1 spent on net purchases.2
- Redeem points for cash back as a statement credit, gift cards and merchandise.2
- Points are worth 25% more when you redeem for airlines, hotels and car rentals.2
- Points are worth 50% more when you redeem for cash back into your checking or savings account.2
- You have 5 years from when points are awarded to use them before they expire.2
- Earn 2,500 bonus points after you make a purchase in the first 3 billing cycles. That’s enough to redeem for a $25 statement credit.2
- 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles on purchases and balance transfers.
- After the introductory APR, your APR will be 18.24% to 25.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- An introductory balance transfer fee1 of 3% for the first 6 billing cycles applies to this offer (minimum fee $10). After the first 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).
- No annual fee.1
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
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1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first.
2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture. You will earn 2,500 bonus points after the first Net Purchase is posted to the Account within the first 3 complete, consecutive Billing Cycles after the Account is opened and while the Account is enrolled in the Program. Please allow 6-8 weeks after bonus points are earned for these bonus points to be added to your point balance.