Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fee
$30
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Our Rating
1.8/5
Institution
National Bank
Rewards
- 1.5% cash back on eligible online purchases, gas and groceries
- 1% cash back on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
No additional benefits available for this card.
Pros & Cons
Pros
- 1.5% Cash Back: You earn 1.5% cash back on online purchases, gas, and groceries (up to $25,000 annual spend), which makes this card a strong option for everyday essentials.
- On-Demand Redemption: You can redeem your cash back anytime after earning $25, offering more flexibility than other cards that require waiting until the end of the year.
- Low Annual Fee: At only $30 annually, the fee is easily offset if you maximize the card's cash back potential.
Cons
- Limited Insurance: The card comes with basic insurance coverage, like extended warranty and purchase protection, but doesn’t offer extensive travel or other premium benefits.
- Lower Cash Back for Other Purchases: Purchases outside the bonus categories earn just 1% cash back, which is fairly standard but not competitive for high spenders.