Welcome Bonus
Get $200 cash back when you spend $1,500 in the first 6 months.
Pros & Cons
- Sign-up bonus
- 5% cash back
- Unlimited 1% cash back on all other purchases
- $0 annual fee
- 0% Intro APR for first 15 months
- Earning cap every billing cycle on 5% cash back ($500)
- Foreign transaction fee
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
Benefits | 24/7 customer service |
Travel Perks |
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each purchase transaction in US dollars. |
Regular APR | 18.24% - 28.24% (V) APR |
What Credit Score Is Required to Get the
Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 690, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 06/12/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 06/14/2021 | Experian | ||
Approved | 06/13/2021 | Experian | ||
Denied | 06/10/2021 | Equifax |
What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0

PayPal Cashback Mastercard
Rating
4.9
Rewards Range
2% to 3%
Annual Fee
$0

SoFi Credit Card
Rating
3.5
Rewards Range
2x points and up to 3% cash back
Annual Fee
$0
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