Not only will you earn one point per dollar on all purchases, we’re offering additional bonus points through merchant-funded offers, and easy online or phone redemption for gift cards, travel, merchandise and more. With a rate as low as 8.00% APR* and NO annual or balance transfer fees** — it’s the only card you’ll ever need!
As an added bonus, we’re offering the following limited-time offers to kick things off:
- Introductory 1.99% APR for 9 months on balance transfers, then your rate can be as low as 8.00% APR
- 10,000 bonus points when you spend $2,000 in purchases within 90 days of enrolling in epSMART REWARDS
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*APR = Annual Percentage Rate. Rates are variable and range from 8.00% APR to18.00% APR. Your rate will be based on your creditworthiness.
**Other fees may apply such as cash advance fees (2% of the cash advance), foreign transaction fees (1% of each currently transaction), late payment fees ($20.00 per occurrence),returned payment ($25) or other account fees and charges. See Cardholder Agreement.