The application process was quick and easy. Boosted my credit INSTANTLY by 30+ points within a week of approval. They do however take their annual fee upfront from your balance BUT that kick-starts the credit boost.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 14.49%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
One of the worst cards I ever have the customer service is horrible and you can be locked out for no reason I had to go fax many documents to prove my identity everything is so inconvenient I prefer my capital one so much better and easier
Compare Holders of this Card
Sample Size: 1,844
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.