• Card for people with Excellent Credit.
• 14.9% APR on purchases and balance transfers.
• 2% cash back on purchases at gas stations and major grocery and drug stores and 1% cash back on all other purchases.
• No limit on cash back and rewards won′t expire for the life of your account.
• Request your cash back rewards whenever you want.

No Hassle CashSM Rewards Details

This is a credit card for customers with good credit and who are looking for a standard account that can also offer them cash rebates on regular purchases. With this account you will earn 1% cash back for every purchase that you make and you will also receive a 25% bonus on all the money earned for the previous year. On top of this you will also be able to benefit from up to 40% savings on promoted locations and products.

With this card there is no annual fee; there are, however, several other standard fees that you will have to become familiar with this account: late fees, overlimit spending fees, cash advance transaction fees and APR and balance transfer fees. Late fees are calculated according to the amount that you owe: for anything up to $99.99 you will be charged $15; for any amount between $100 and $249.99 you will be charged $29, and for any amount over $250 you will be charged $39. If you spend more than your allocated credit on the card then you will be charged according to your credit limit: $19 will be charged for any account with a credit limit up to $500; $29 for any accounts with limits between $500 and $1000; $39 for any account with a limit of more than $1000. You will be charged for cash advances in terms of both the transaction and an APR: each time you take out an advance it will cost you 3% of the advance amount (no less than $10) and the APR for such transactions is 22.9%. There are no fees for foreign currency transactions. If you want to make a balance transfer from one or more of your existing credit cards to this account, there will be no fee involved and the associated APR will be the same as the standard purchase APR. Standard purchase APR for this account will start at 14.9% variable, however this and the 25 day no-purchase-APR grace period may be lost if you fail to make your payments on time each month. If this is the case, your purchase APR will shoot up to the default rate of 25.15% variable. This is a very low purchase APR in relation to most other credit cards on offer.

While it will be somewhat slow going in gaining enough cash back to truly benefit the cardholder, this is a credit card account with a low purchase APR and no annual fees and so this makes it superior to many of its competitors.