Our editor's take
CardRatings Managing Editor
You pay 0% APR on purchases and no application fee. Fees will not go up even if you're late on a payment. The company reports to the credit bureau. You're eligible for a cash advance APR of 9.99%. Downside: You pay a $9.95 monthly maintenance fee and $30 for each additional card. The company may assess some fees before using the card and will reduce the available balance by that amount. Customers do not receive a grace period. The deposit account you open to secure the card does not pay interest.