¹To earn 10,000 bonus points you must spend $2,500 in the first 90 days of your card being approved by us. Spend is net of settled purchases and returns processed within this timeframe. Reward will be awarded on the transaction that exceeds $2,500. Rewards are not earned for wire transfers, money orders, cash advances, balance transfers, government owned lotteries, online casinos, horse/dog racing, or payments for loans.

²See cardholder agreement, section 14, for full details.

³APR=Annual Percentage Rate. APR may vary and ranges from 13.49% to 24.00% and is accurate as of 3/1/23.  Your APR is determined by program selected and credit history. All loans subject to credit approval. Rates, terms and conditions subject to change.

⁴Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately or any unauthorized use. Contact your issuer for more detail.

⁵Members will earn 1.5% cash back on net purchases (purchases minus any credits or returns) only. Purchases do not include balance transfers, cash advances, ATM transactions, convenience checks, or disputed or unauthorized purchases/fraudulent transactions, Card Account fees and finance charges. 

⁶APR = Annual Percentage Rate. 0.00% introductory APR for 12 months from the date of first purchase when purchases are completed within 60 days from the date of the account approval. After that,  APR 18.49% - 24.00% APR, based on your creditworthiness at time of application and program selected. After account approval, this APR will vary with the market based on the Prime Rate.