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)
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.
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.
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%.
Direct Debit Subscription payments Credit Access International Transactions Automated Accounting 3D Secure