I have had this card over two years. They gave me a HIGH LIMIT compared to almost everyone else. answer your questions, and provide good service. They dont hassle you on purchases like other banks calling you to see if you REALLY bought that Big Screen TV and stop your POS purcahse like some other horrible banks., I do not keep cards whertre they question every purchase. The application process is easy compared to most other banks. I have a fairly decent Cash access (vs straight credit) as well .I do not see the nergatives . I have NOT used the card in 10 months (didnt need it) and they have NOT reduced my line of credit. I dont even need a credit increase I am satisifed with an over 8K limit as I have many other cards. They DID stop a number of benefits to the card but still has many features other cards may not offer such as car rental insurane. You need a credit score over 680 to to really get good use out of the card
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Months
- Balance Transfer Regular APR 14.99% - 25.99%* Variable
- Annual Fee $95
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 14.99% - 25.99%* Variable
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Most Helpful Negative Review
Beware that Walmart, Target, and Amazon are NOT on the approved grocery stores. Which means that you will not get 6% shopping there for groceries, only 1%. Also, not all gas stations either. Not happy about 95 annual fee but it's very easy to earn the 250 bonus.
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Sample Size: 1,642
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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