| 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. | |
I've earned a few rewards on groceries and gas, though the redemption process felt clunky and slow. For moderate spenders it's fine, but if you're looking for big perks or frequent purchases, you might feel underwhelmed.
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.