| Rewards | If you have chosen the rewards program, your account will earn the following: $0.1-$1000=0.25% cash rewards, $1001-$2000=0.5% cash rewards, $2001-$3000=0.75% cash rewards, $3001 and up = 1% cash rewards |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Wall Street prime plus 6.9%-9.9%, depending on creditworthiness, or a fixed rate of 18% (APR is subject to change) |
| Cash Advance Fee | 3% of the total of each cash advance |
| Late Payment Fee | $25 |
| Purchases APR | Wall Street prime plus 3.9%-6.9%, depending on creditworthiness, or a fixed rate of 18% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I got this card because I am connected to the Illinois FOP and it felt right to support it. The card is easy to use and the fees are not bad. Rewards are kind of low though. I mostly keep it because of the FOP connection. If you care about value only then there are stronger cards out there.