Good for Consumers who…

  • Want to earn rewards on all purchases.
  • Want the convenience of a VISA card without an annual fee.
  • Attractive rates starting as low as prime +8.99%.

Rewards Choices

Earn one point for every dollar spent

  • No cap on reward points.
  • No point expiration.
  • Points redeemable for travel, merchandise and gift cards.
  • Earn additional bonus points on select purchase promotions.
  • Anniversary bonus -- active card is 5,000 points.

1% cash back on all purchases

  • No cap on annual cash back.

Select reward points OR 1% cash back

Introductory Rates - First 6 months

  • 0% interest 6 months and $0 fee for balance transfers 6 month.
  • Post-introductory interest rate after 6 months.
  • 12.24% - 21.24% variable APR/prime rate margins 8.99% - 21.24%.

Annual Fees

No annual fee

Balance Transfer Fee

$5.00 or 3% of transfer, whichever is greater

Cash Advance Fee

$20.00 or 4% of the amount of each transaction, whichever is greater

Foreign Transaction


Return Payment Fee


Rush Handling Fee




  • Zero liability fraud protection
  • Point pooling on reward products
  • Blended merchant program - earn additional points on select merchant programs
  • Points applied after each billing cycle