Offer
- Welcome Offer : Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0). Offer ends June 30, 2025. - 1% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
Fees & Conditions
Personal Income
$12,000
Household Income
$12,000
Annual Fee
$0
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
19.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
22.99%
Balance Transfer
Balance Transfer Intro Duration
6 month(s)
Balance Transfer - Promotional Rate
0.00%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Oct 31, 2025
Welcome Bonus amount
Up to $100 cash back + 0% introductory interest rate on balance transfers for the first 6 months
Minimum Spending Required
$2,000
Minimum Spending Timeframe (Months)
3 month(s)
Earnings
Per dollar of purchases
All Spending
0.5 %
Groceries
1 %
Gas
1 %
Dining and Food delivery
0.5 %
Convenience Stores
0.5 %
Drugstores
1 %
Local Transport
0.5 %
Travel
0.5 %
Entertainment
0.5 %
Recurring Payments
1 %
Telecom/Internet
0.5 %
Streaming services
0.5 %
Online transactions
0.5 %
Office Supplies
0.5 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
Purchase Protection
Mobile Device Insurance
Price Protection
Alternative Cards
Legal
*Conditions apply.