| Rewards | Receive 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers, 3% cash back on the category of your choice, 1% cash back on other purchases |
|---|---|
| Signup Bonus | 0% introductory APR on purchases for the first 9 months |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $38 |
| Purchases APR | 12.74%, 17.74% or 19.74%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I opened this card hoping for straightforward rewards, but the cash back structure felt weak compared to other business options I've used. Managing expenses wasn't as flexible as I'd hoped, and it just didn't keep pace with my growing business.