It is designed to help establish or build credit.

Requires a minimum security deposit of $200. 

No balance transfer or foreign transaction fee

No sign-up bonus or introductory APR period

Rewards expire four years after points are earned

APR18.00% Penalty APR18%

No annual fee

Cash Advance Fee None Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

Points redeemed for cash, statement credit, gift cards and merchandise