| Rewards | Earn 1 point for every net $1 you spend, get a 25% bonus on all points earned every month, no caps or limits on the points you can earn, plus you have five years to redeem points for rewards. |
|---|---|
| Signup Bonus | $25 or $50 cash back with your first purchase |
| Annual Fee | $0-$50 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 23.99%. Variable based on the market Prime Rate. |
| Cash Advance Fee | Either 4% of the amount of each advance or $10 minimum, whichever is greater. |
| Late Payment Fee | Up to $38. |
| Purchases APR | 11.99% to 22.99%. Variable based on the market Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
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Decent Rewards
This card gives off small-town bank charm with a touch of big-bank perks. The bonus rewards aren’t huge, but they’re consistent. I’ve had great experiences with their local branch whenever I had a question. It’s a nice mix of personal service and decent rewards.
