Earn 2% cash back for each $1.00 in qualifying gas and/or grocery transactions. Earn 1% cash back for each $1.00 in all other qualifying credit card transactions. Cash back rewards are redeemable in $25.00 increments in the form of a check, credit applied to your account, or deposit made to any checking or savings account at a U.S. financial institution of your choice.
APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; After that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%; If your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars.