A straightforward low-interest workhorse: the 13.99% purchase rate and 0.99% intro balance transfer can save far more in interest than any rewards card would earn back.
At a glance
Annual fee
$29
Welcome bonus
~$29
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
cash back
Purchase APR
13.99%
Rewards & earn rates
No rewards earned on purchases
0%
Welcome offer: $29 annual fee waived in the first year plus a 0.99% introductory interest rate on balance transfers for 9 months.
Pros & cons
Pros
Among the lowest purchase interest rates from a big bank
Cheap and effective for paying down transferred balances
Cons
No rewards on spending
Small annual fee after year one
Perks & insurance
Key perks
Low 13.99% interest rate on purchases
0.99% introductory balance transfer rate for 9 months
Low 15.99% rate on cash advances and balance transfers
Free additional cards
Insurance
Extended warranty insurance
Purchase security insurance (90 days)
Rates & fees
Annual fee
$29
Purchase interest
13.99%
Cash advance
15.99%
Foreign transactions
2.5%
First year waived.
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
