Rewards rate
1x - 2xPoints per dollarAnnual fee
$69Welcome bonus
40,000PointsEditors' bonus estimate
up to $540
Additional rates & fees
- Annual fee
- $69
- 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
- 3%
- 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.
- 3,000 anniversary points each year.
- Earn 2X 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.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
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