I applied for this card back in 2016 after Credit Karma said my approval odds were very good. I was approved for 1k my scores was around 620 or so. I used it generously and vigorously lol. 2017 they gave me a 1k increase. Now in January 2018 they gave me a 2k increase. I use this card a lot because of their cash back on ALL purchases and their ZERO $ annual fee is the icing on top!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 16.99% - 25.74%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 16.99% - 25.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this card with the intentions to utilize the 0% balance transfer for 15 months option. However, what they do not tell you in the card descriptions; "you may be approved for card without having the balance transfer option". I was approved for $6400 without a balance transfer option; when I spoke with customer service they said that balance transfers are a promotional option, which I didn’t qualify for based on my credit worthiness. This doesn’t make much sense... giving the amount of credit line I was approved for and having a 680-700 credit score. Just be aware if you are applying for this card because you would like to use the balance transfer option, there's a great possibility you will not be allowed that option, even if approved.
On the other hand, American express (no affiliation) approved me for a credit line, and the option for balance transfer is standard with approval (not promotional).
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† 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.
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