| Rewards | 8% variable APR on purchases, balance transfers and cash advances. No balance transfer fees, annual fees, or foreign transaction fees. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 8.25% Variable APR |
| Cash Advance Fee | $3 |
| Late Payment Fee | Up to $26 |
| Purchases APR | 8.25% Variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
It is decent if you just want low fees and a predictable APR, but it doesn't offer much beyond that. The rewards setup feels vague, and I never saw anything meaningful from it. It's fine for basic use or balance transfers, but not a card you'd choose for perks or everyday earning
I've used this master card for a while and it's been a reliable low fee option. No annual fee, billing and the interest rate doesn't jump around. It doesn't offer flashy rewards, but for straightforward everyday use, it's been smoother than I expected
Unique “Ring community” setup, transparent and low-cost.