How Your Rewards Add Up
5%
On Top Spending Categories
Earn 5% cashback on gas stations, groceries, or streaming services (up to quarterly limit).
2%
At Restaurants & Dining
Get 2% back on every meal out, from local cafes to fine dining establishments.
1%
On All Other Purchases
Earn 1% cashback on every purchase, everywhere the card is accepted—no limits.
Simple 3-Step Application
- 1. Fill out the secure online form (takes about 5 minutes).
- 2. Get an instant decision.
- 3. Receive your card in 7-10 business days.
Key Disclosures
- 🚫 Annual Fee: **$0**
- 💵 Intro APR: 0% for the first 12 months
- 📈 Variable APR: 18.99%–29.99% after the intro period
- 💳 Foreign Transaction Fee: 3%