- Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
- Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
- Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
- Earn Triple FlexPoints on eligible charitable donations*
- No Foreign Transaction Fees (based on creditworthiness).*
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards
- Subject to credit approval.
Min APR: 14.24%, Variable
Max APR: 24.24%, Variable
- 0% for 12 mos on transfers
- Has annual fee
Get 20,000 Bonus FlexPoints after the first $3,500 in net purchases in the first 4 months.
$0 intro* for the first year, then $49*
0% on balance transfers for 12 billing cycles
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.