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Our Detailed Review of This Card

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The offers simple, no-frills value with an unlimited N/A cash back on all your purchases. The straightforward rewards structure set the standard for flat-rate cash back cards and makes it an excellent choice for many cardholders. Better yet, the long, and highly competitive, 15-month 0% intro APR on purchases and balance transfers makes it an easy choice for anyone looking to avoid interest for over a year.

Let’s talk about the APR. The 15-month 0% intro APR on both purchases and balance transfers is like getting a 15-month, interest-free loan on all your purchases! You could even transfer your balance from another card if your interest rates are getting too high. Just keep in mind that the does have a 3% balance transfer fee, which is pretty standard for credit cards. Depending on how much you plan to transfer, it is likely still worthwhile. After the intro APR period, a N/A APR applies.

The cash back you earn with your is an unlimited N/A cash back on all your purchases — and that cash back never expires! That, along with its N/A annual fee, makes it a great choice for those looking for a card that’ll add some money to their wallet with no additional hassle.

As if that’s not enough, in addition to consistent cash back on all purchases, the has a very attainable intro bonus of that you’ll earn after spending $500 on purchases in the first 3 months of account opening — that’s 30% cash back on the first $500 you spend!

The cash back rewards you’ll receive are easy to redeem at any time via statement credit, check or gift card. You can even set up automatic statement credits that will hit your account once you earn a set amount of cash back (you can decide how much).

Cardholders will also receive exciting perks, including complimentary concierge service, price protection, extended warranty, 24-hour travel assistance service, travel accident insurance, instant purchase notifications and more. Plus, there are no foreign transaction fees — a must when using a card overseas. The is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Overall, the is a strong cash back card that combines N/A cash back with great benefits, a lengthy 0% intro APR on purchases and balance transfers — and no surprises.


  • One-time .
  • N/A.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Your cash back doesn’t expire.

Redeem Rewards

  • Redeem cash back any time for any amount, even set up automatic redemption.
  • Cash can be redeemed in the form of check, gift card or statement credit.

Fees and APR

  • Annual Fee: N/A.
  • Foreign Transaction Fees: N/A.
  • Purchase APR: N/A, then N/A.
  • Balance Transfer APR: N/A, then N/A.
  • Balance Transfer Fee: N/A.
  • Terms and Conditions

This card currently does not have any offers associated with it.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.