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With BIG rewards, LOW rates and NO balance transfer fees, it’s the only credit card you’ll ever need!


  • No Annual Fee
  • No Balance Transfer Fee
  • Cash advance APR is the same low rate you pay for everyday purchases
  • 1 point per dollar on all purchases
  • Earn points for gift cards, merchandise, travel and more
  • Merchant-funded bonus point offers


Get rewarded for everyday purchases! Visit or log into epOnline to enroll, manage and redeem your points.

Take advantage of our Introductory offer! Spend $2,000 in purchases within 90 days of enrolling in epSMART REWARDS and receive 10,000 points!


Online account access and card management is available via epOnline. Just log into epOnline to get started once you've received your epSMART REWARDS card.


Your epSMART REWARDS card comes with added benefits from Mastercard®. Check out the Guide to Benefits (PDF).

Get started today

Balance Transfer Offer


Tired of paying high interest rates on your current credit card? Transfer balance and save on interest. Save even more with our Introductory offer — 1.99% APR for 9 months on balance transfers!



Effective OCT 31, 2019Print

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases Paying Interest Mastercard:
7.25% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
APR For Balance Transfers Mastercard:
(Introductory APR for 9 months) After 9 months, you will be charged the standard APR for purchases.

Secured Mastercard:
APR For Cash Advances Mastercard:
7.25% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
How To Avoid Paying Interest On Purchases Your due date is at least 25 days after the close of each billing cycle. We will not change Your interest on purchases if You pay Your entire balance owed by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at


Transaction Fees
Cash Advance

Foreign Transactions

2.00% of each cash advance

1.00% of each foreign currency transactions in U.S. Dollars
0.80% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
Returned Payment

Late Payment

Up to $25.00 per Returned Payment

Up to $20.00 per Late Payment
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." The information about the costs of the card described in this application is accurate as of December 1, 2019. This information may have changed after that date. To find out what may have changed, call us at 202-874-3210 or write to us at PO Box 23393, Washington, DC 20026