01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
No tracked credits
Median FICO
748
Approved
Median income
$45,000
Approved
Featured in
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Rotating categories Activation required each quarter on first $1,500/qtr, then 1% Q2 2026: Dining, Home Improvement | 5% |
Everything Else | 1% |
Statement credits
No statement credits tracked.
Intro APR
0% for 15 months on balance transfers
0% for 15 months on purchases
Then 17.49%–26.49% variable APR
03 · approval odds
Approval odds
Median FICO
748
Median income
$45,000
Credit history
—
Approval rate by FICO score
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04 · news
In the news
05 · reading
Further reading
By
Title
Read
CreditOdds
Authorized User Strategy: When It Boosts Your Score, When It Doesn't, and What Most Guides Get WrongJun 15, 2026
12 min
CreditOdds
How to Close a Credit Card Without Tanking Your ScoreJun 11, 2026
13 min
CreditOdds
How Many Credit Cards Is Too Many? What Actually Happens to Your Score, Your Approvals, and Your LifeJun 8, 2026
12 min
CreditOdds
Pre-Approval vs Pre-Qualification: Which Tools Actually Predict Credit Card ApprovalMay 18, 2026
11 min
CreditOdds
Hard Inquiries Explained: How Much They Hurt, How Long They Last, and the Real Recovery TimelineMay 11, 2026
12 min
CreditOdds
Credit Utilization Explained: How It Actually Works, the Carry-a-Balance Myth, and the Numbers That Move Your ScoreMay 2, 2026
13 min
CreditOdds
How Long Does It Take to Build Credit? Realistic Timelines from Zero to 800May 2, 2026
13 min
CreditOdds
Best No-Annual-Fee Cash Back Cards in 2026Feb 1, 2026
5 min