Our Cash reward
$200 online cash rewards bonus offer and 3% cash back in the category of your choice
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3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter)
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Your choice categories include: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, with the option to change your category online or through our mobile app once each calendar month for future purchases, or make no change
and the category stays the same
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Introductory 0%† APR for your first 12 billing cycles for purchases. After the intro APR offer ends, a Variable APR that's currently 13.99% to 23.99% will apply.
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Preferred Rewards members earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery
store/wholesale club purchases each quarter, and the 1% for all other purchases could go up to 1.75%.