It is designed to help establish or build credit.

Requires a minimum security deposit of $200.

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No balance transfer or foreign transaction fee

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No sign-up bonus or introductory APR period

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Rewards expire four years after points are earned

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APR18.00% Penalty APR18%

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No annual fee

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

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

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