| Rewards | Cardholders will earn 3% on gas purchases, 2% cash back on grocery store purchases, and 1% cash back on all other purchases |
|---|---|
| Signup Bonus | $100 cash rewards bonus after making at least $500 in purchases within 90 days of opening account, 0% introductory APR for first 12 months on purchases and balance transfers |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 16.24% to 25.24% for direct deposit and cash advances, 25.24% for bank cash advances (APR is subject to change) |
| Cash Advance Fee | $10 or 3% (whichever is greater) for direct deposit and check cash advances, $10 or 5% (whichever is greater) for ATM, over-the-counter, same day online and cash equivalent cash advances |
| Late Payment Fee | Up to $37 |
| Purchases APR | 13.24% to 23.24%, dependent upon creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
Rewards sounded better than they were. The card works fine but benefits are small unless you spend a lot on baseball items.
Cash back post reliably, and I'm pleasantly surprised that I've saved a bit over a few months just from routine purchases. The bonus structure feels modest, but for everyday spending, this card does a nice job of giving you something back.