Applied for this card with literally 1 month of credit history to my name and was denied. CK said fair approval odds. Called backdoor number to speak to credit analyst and was approved with a credit limit of $500. Interest rate is high but I pay my balances in full every month to avoid any interest. Rewards are pretty nice, up to 2 points earned per $1 (even more with purchases made from featured vendors through their site). 1000 points = $10 cash back. With proper, controlled spending habits and responsible payment history, you'll be racking up rewards dollars in no time.