| Rewards | 2 points per dollar at department stores and for charitable donations, 1 point per dollar for all other purchases |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.99% |
| Cash Advance Fee | 10$ or 4% whichever is greater |
| Late Payment Fee | up to $25 |
| Purchases APR | 8.99%-20.99% APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
Nothing wrong with it… nothing amazing, either. I use it mostly as a backup card because it’s simple and I know the bank staff by name. The fraud alerts work fast (I got a call within minutes when I accidentally typed in my number wrong online), which impressed me. But if I were choosing based on rewards, this would not be my first pick. It feels like an old-school card, in a comforting-but-basic way.