| Rewards | If opting for cash rewards the following applies: $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 18% fixed rate (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
This card is very basic: no annual fee, and a tiered cash-back structure where rewards increase with spending. That might be okay if you spend a lot, but there’s no signup bonus, and the rewards rate is pretty modest compared with typical cash-back cards.
I like using this card feels meaningful, since a portion supports foundation's cause. However, the rewards are minimal and the interest rate is higher than I hoped.
