| Rewards | 3 FlexPoints on qualifying charitable donations, 2 FlexPoints on the category you spend the most on (at gas stations, grocery stores or airlines) and at most cell phone service providers during each billing cycle, 1 FlexPoint per $1 spent on all other purchases |
|---|---|
| Signup Bonus | $0 introductory annual fee for the first 12 months, earn 20,000 FlexPoints after you spend $2,000 within four months of account opening |
| Annual Fee | $49 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.24% (APR is subject to change) |
| Cash Advance Fee | Either 4% of the amount of each advance or $10 minimum, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 14.24% to 24.24% (APR is subject to change) |
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