Sorry, this offer is no longer available on Credit Karma.
  • $100 Cash Back Bonus after first use of card within 90 days of account opening
  • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
  • 2% cash back on eligible in-store and movie theater purchases
  • 1% cash back on all other purchases
  • No Limit to the total cash back you can earn on eligible purchases
  • No rotating reward categories
  • Complimentary FICO® Credit Score
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
14.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%
(15 Months) within 45 days of account opening
Balance Transfer Regular APR:
14.24% - 23.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%
Cash Advance Fee 5%, Min; $10
Late Fee Up to $37
Penalty APR See Terms*
Balance Transfer Fee 3%, Min; $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $37

Rewards

Welcome Bonus

Earn $100

after your first purchase

All Purchases

1% cash back per dollar

No cap on spending

Entertainment

2% cash back per dollar

2% cash back on eligible in-store and movie theater purchases


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
tallguy210
Great for the sock drawer
by tallguy210
Helpful to 1 out of 1

Do not apply for this card unless you want to stay at your same credit limit for years and years and years and years and years.  It's impossible to get a credit limit increase on this card, no matter how much your credit report improves over the years.  The only thing they are big on is asking you if you would like to do a balance transfer, every single time I call.  Once, they reduced my annual percentage rate from 25% down to 20%, wow.  I've read on other forums where people who have a bankruptcy on their credit reports seem to be treated way kinder when it comes to getting soft pull credit limit increase.  For me, best thing I can do right now is put this card back in the sock drawer.  No way do I want this to be my daily use card. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
tallguy210
Great for the sock drawer
by tallguy210
Helpful to 1 out of 1

Do not apply for this card unless you want to stay at your same credit limit for years and years and years and years and years.  It's impossible to get a credit limit increase on this card, no matter how much your credit report improves over the years.  The only thing they are big on is asking you if you would like to do a balance transfer, every single time I call.  Once, they reduced my annual percentage rate from 25% down to 20%, wow.  I've read on other forums where people who have a bankruptcy on their credit reports seem to be treated way kinder when it comes to getting soft pull credit limit increase.  For me, best thing I can do right now is put this card back in the sock drawer.  No way do I want this to be my daily use card. 


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from May 2017 through October 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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