Offer
- Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39). Offer extended Oct 31, 2022
- Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
- Earn 1% cash back on all other eligible purchases.
Fees & Conditions
Personal Income
$12,000
Household Income
$12,000
Annual Fee
$39
First Additional Card
$15
Other Additional Card
$15
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
2.99%
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, 2022
Earnings
Per dollar of purchases
All Spending
1 %
Groceries
2 %
Gas
2 %
Dining and Food delivery
1 %
Convenience Stores
1 %
Drugstores
2 %
Local Transport
1 %
Travel
1 %
Entertainment
1 %
Recurring Payments
2 %
Telecom/Internet
1 %
Streaming services
1 %
Online transactions
1 %
Office Supplies
1 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
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
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$500
90 day(s)
Mobile Device Insurance
Price Protection
Legal
*Conditions apply.
