| Rewards | 5% cash back on your first $2,000 (each quarter) spent in two chosen categories, 2% cash back on your choice of one everyday category, 1% cash back on all other purchases |
|---|---|
| Signup Bonus | 0% introductory APR for the first 12 billing cycles on any balances transferred within first 60 days |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.49% (APR is subject to change) |
| Cash Advance Fee | 4% of the amount of each advance or $10, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 13.49% to 23.49% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
This card is a winner for flexibility. I love being able to choose my own 5% categories every quarter. It’s a little extra work to set it up, but totally worth it if you’re organized. Customer service has been smooth whenever I’ve had to call. No major complaints so far.