A card for every way you actually spend.
Three cards, no annual-fee traps, and rewards that redeem for real cash — not a points chart you need a spreadsheet to understand.
Three cards, three ways to earn.
Most people carry the Signature Rewards card. Compare all three below.
| Signature Rewards | Everyday Cash | Student Starter | |
|---|---|---|---|
| Rewards rate | 2% on everything | 3% groceries, 1% else | 1.5% on everything |
| Annual fee | $0 | $0 | $0 |
| Intro APR | 0% for 15 months | 0% for 12 months | N/A |
| Credit needed | Good to excellent | Good to excellent | Limited or new credit |
| Apply now | Apply now | Apply now |
Rewards you understand without a manual.
No rotating categories to activate, no points that expire quietly.
Cash back, not points
Rewards post as real dollars to your account, not a currency you have to redeem through a portal.
Zero fraud liability
You are never responsible for charges you did not make, reported at any time.
Instant virtual card
Start spending online minutes after approval, before the physical card arrives.
Free credit score tracking
Every cardholder gets ongoing access to Credit Insight at no cost.
Questions people actually ask.
Signature Rewards suits people who want simplicity; Everyday Cash suits heavy grocery spenders; Student Starter is built for building first credit.
Checking if you're pre-qualified uses a soft inquiry that does not affect your score; a full application does require a hard inquiry.
Yes, many customers carry two cards to combine a flat-rate card with a category-bonus card.
See which card fits your spending.
Checking for pre-qualification takes two minutes and won't affect your credit score.
Check pre-qualification