| Rewards | Earn 1% cash back for every $1 in net merchandise purchases, Earn up to 2,500 bonus points every quarter with 2% & 3% cash back for purchases in select categories |
|---|---|
| Signup Bonus | 1.99% introductory APR on purchases and balance transfers for 6 monthly billing cycles after opening your account |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.49% (APR is subject to change) |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance (whichever is greater) |
| Late Payment Fee | Up to $37 |
| Purchases APR | 12.49% to 18.49%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I like that part of my purchases supports the RMEF's conservation mission. The points system is fairly flexible, but redemption feels a bit cumbersome and takes longer than expected.