| Rewards | Earn 3% cash back on gas for the first $2,500 in combined qualifying purchases each quarter, Earn 2% cash back at grocery stores, Earn 1% cash back on all other net purchases |
|---|---|
| Signup Bonus | 0% introductory APR for the first 12 statement closing dates for purchases and for all balances transfers made within the first 60 days, $100 cash rewards bonus after spending $500 within the first 90 days |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 16.24% to 25.24%, based on your creditworthiness, for direct deposit and check cash advances, 5.24% for bank cash advances (APR is subject to change) |
| Cash Advance Fee | Either $10 or 3% of the amount of each transaction, whichever is greater (direct deposit and check cash advances), Either $10 or 5% of the amount of each transaction, whichever is greater (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%, based on your creditworthiness (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 support rotary, but the rewards are weak and redemption is confusing. The annual fee feels steep given how little I actually benefit.
I applied mainly because I’m part of Rotary, and I like that a portion supports Rotary projects. The rewards are modest, but the feel-good factor is there. It’s not a travel powerhouse, but for daily purchases, it gets the job done.