• No annual fee
  • Two reward options:
    • Cash back: 1% cash back on purchases (net), shown on monthly statement, credited quarterly.
    • Platinum Rewards Bonus Points: one point earned for every $1 spent (net) redeemable for merchandise and travel
  • Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)
  • Annual percentage rate for cash advances: 18.00%
  • 0% liability for fraud
  • Credit limit of $300 to $25,000
  • Low minimum monthly payments — only 2% of balance or $10, whichever is greater
  • 25-day interest-free grace period on new purchases
  • 24-hour access to your account online or over the phone (for inquiries and payments)
  • Make payments easily and automatically