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Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Finly Rating
1.6/5
Institution
National Bank
How You Earn Rewards
- 1% cash back on eligible recurring bills and restaurant purchases
- 0.5% cash back on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
$1,000
No additional benefits available for this card.
Pros & Cons
Pros
- 1% cash back on recurring bill payments and restaurant purchases.
- No annual fee.
- Includes mobile device protection insurance, which is rare for no-fee cards.
Cons
- Only 0.5% cash back on all other purchases.
- Limited insurance coverage overall.
- Relatively low annual rewards value compared to other no-fee cards.