well iv had this card a few months now. i gotta say its not too bad. iv had a credit history less then a year. started with a capital one secured card. i banked with BOA for about 2 years so after 6 months of credit i applied for this new card. was accepted for $500 limit and my score was about 685 . wont complain for my 1st unsecured card. i dont spend alot so these % cash back cards wont earn me much. seen this and thought thats easy money. its been just that. few tanks of gas. other small purchases then at the end of the quater i got my $30 easy. i carried a balance 1 month not the other 2. so i assume u dont need to carry to get the rewards. i recommend the card honestly. pretty high interest. just dont carry a balance, buy some gas n boom easy money.
if your looking for low interest cards stay away from pretty much all these offers on credit karma. go to a credit union. my credit union gave me $1000 limit at fixed 11%. thats the way to go