This was my first credit card. I got this approved even before I had any credit and its been 2 years and I'm in still love this card. The 5% cash back seasons is a good deal although the APR promotion period is less when compared to Bank of America, Chase and American express this still is a good card for the ones building credit.
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Most Helpful Negative Review
This is about two years in the making - Applied, declined until calling reconsideration @ ~650 CK scores. Approved for $500 after proving a student.
A couple months after obtaining I graduate, find good job (thank god). Funnel lots of purchasing through tiny limit, paid of in full - rewards outpaced interest paid (maybe they like revolving balances). Year later, not eligible for CL increase. Fast forward another year. Stated income $80k, worked up over $15k in avail credit over a couple cards (not exceeding 5-24 rule), CK scores now 700-720, 20% utilization. I called to request an increase and they need a hard inquiry to even review for it.
App is fantastic, rewards are easy to use (as annoying as rotating categories are), customer service is always courteous even when telling you bad news, and I even get little gift cards to Starbucks (for spending so much there? Idk) but they just won't increase my limit. I'm still trying, use it for all my gas purchases. Maybe try again in 6mths, if nothing then it's the end of the line for the account.
Long story short, if I could've chosen a different starter card I would have. Everything about the card has been great but just will not grow with me.
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Sample Size: 2,988
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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