Credit Needed: Fair
- New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
- 5% cash back in categories that change each quarter like department stores, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
- No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
- Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
- New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
- 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
- New! We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $100 cash back, we'll double it to $200—Automatically. Only for new cardmembers.*
- Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
|Intro APRPurchases||Intro TermPurchases||Intro APRBalance Transfers||Intro TermBalance Transfers||Regular APR||Annual Fee|
|0%||6 months||10.99%||6 months||12.99% - 21.99% Variable*||$0|
*Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.