Overall, this card is fine. I use it mostly for groceries. The one thing I hate about it is that you have to wait until you have $25 worth of cash back to redeem it. For someone who doesn’t make/spend a lot of money, this can take forever to get to. My other cards (discover it and chase freedom) let me use cash back at any amount.
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Most Helpful Negative Review
They want your federal tax returns. They did not require them before issuing the card and then after a month told me they needed them. I of course said no to that. Had I have known that they would have asked me for federal tax returns I would not have applied. Putting 4 years of federal tax returns out on the internet or even stored on their systems so they can be hacked later is just not a good idea. The value of the card is not worth the risk. No other card company has asked for my federal returns. 752 Fico score and don't need the hassle or risk. When I talked to them they said they had to have them or they might cancel me. I said to cancel my card I was not longer interested in it. Even though the card was paid in full they canceled the card and put it on my credit report that they had cancelled it when I had cancelled it.
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Sample Size: 5,500
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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