This is a CC offer from a credit union so I’m expecting one has to be a member to apply for any of their CCs. These is what I saw on the terms of this special offer:
Earn unlimited cash back on every purchase. 5% cash back on one revolving bonus category of your choice + 3% when you dine at restaurants, or buy groceries or gas + 1% on everything else.
Schedule one-time or automatic redemptions when you earn $10 in rewards
Apply rewards to your card balance, deposit them into your SAFE account, or donate them to charity – you decide!
No annual fee
No balance transfer fee
Credit limits up to $25,000
25-day grace period on purchases
No cash advance fee if the cash advance is taken at any SAFE ATM, through CALL-24 Phone Banking, or through SAFE Online Banking
SAFEGUARD protection against unauthorized transactions
Visa® Everyday Discounts
Complimentary Travel Accident Insurance
Complimentary Warranty Manager Service
Complimentary Auto Rental Collision Damage Waiver
A convenient source of overdraft protection for your SAFE checking account
1 0.00% Introductory APR on new purchases for 12 months, available to well-qualified applicants only. APR after intro period ranges from 13.49% to 19.49%, and is accurate 10/23/2017. Your APR is determined by your credit history. This APR will vary with the market based on the Prime Rate. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Late Payment Fee: $15 or the current minimum payment amount, whichever is less. Returned Payment Fee: Up to $10. Foreign Transaction Fee: 1% of each transaction in U.S, dollars. Rates, terms, and conditions subject to change.
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Best to base decision based on their terms and compare it with other credit union CC offers.
View Agreement