• $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
  • No Annual Fee.
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
7 Months
12 Months
$0
0%
12.99% – 22.99%*
0%
12.99% – 22.99%*
Variable
Variable
Annual Fee
Purchase Intro APR
7 Months
$0
0%
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
12 Months
12.99% – 22.99%*
0%
12.99% – 22.99%*
Variable
Variable

Offer 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 the provider's website.

Cash Advance Rate 25.24%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Balance Transfer Fee 3%, Min: $5

Savings

Savings over 1 year $469
Savings over 3 years $1,094

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Rewards

Sign-Up Bonus

Earn 10,000 points after you spend $650 in 3 months.

All Purchases

1 point per dollar

Up to 75000 points earned


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 Positive Review
txgbfan
by txgbfan
Helpful to 5 out of 5

I was approved instantly with a 5K limit with a CK score of 672.  This site uses Experian but I'm not sure what my score is with them.  I like all of the offers associated with the card, but will have to see how they actually work out.  The reviews here helped me choose which card to apply for.  It was between this one and Discover.  I have a Visa and MC both with a 2K limit.  The balance on both of those were around $900 each.  I also have a Kohls card with a small balance.  The 5K limit is nice to have.  I have a gross income of 65K, with a mortage and student loans that are on autopay each month.  I hope this info. helps someone decide on the best card for them!

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
fedexbobbyt
by fedexbobbyt
Helpful to 6 out of 8

 Credit Karma listed my chance for this card as Good.Denied within 2 days of applying with a Karma score of 651.Score also took a 9 point hit after applying. 


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† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 January 2015 through June 2015. 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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