Rewards rate
1x - 3x
Points per dollar
Annual fee
$99
Welcome bonus
40,000
Points
Editors' bonus estimate
up to $540

Additional rates & fees

Annual fee: $99

Intro purchase APR: N/A

Regular purchase APR: 20.74% - 27.74%* Variable

Intro balance transfer APR: N/A

Regular balance transfer APR: 20.74% - 27.74%* Variable

Cash advance APR: 29.49%* Variable

Cash advance fee: 5%, Min: $10

Late fee: See Terms*

Penalty APR: Up to 29.99%

Balance transfer fee: 5%, Min: $5

Foreign transaction fee: $0

Return payment fee: See Terms*

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
6,000 anniversary points each year.
Earn 3X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, and phone services; select streaming.
2 EarlyBird Check-In® each year.
No foreign transaction fees.
Member FDIC

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