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Note: Even if you do not have a business, you can try to apply for the card as sole proprietor, using your SSN as business tax ID.


Terms:

$250 Cash Back
After you make your first purchase, you will qualify for 15,000 bonus points. If you make purchases totaling $5,000 or more within 3 months of account opening, you will receive an additional 10,000 bonus points for a total of 25,000 bonus points, which can be redeemed for a $250 check. Purchases do not include using your account for balance transfers, cash advances, or any checks that are used to access your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.

5% Cash Back on Eligible Purchases
You will earn 1 base point for each $1 of net purchases. You will earn an additional 4 points for each $1 of net purchases made at merchants that classify their merchant location for Visa/MasterCard in any of the following categories: wireless/telecommunications services (excluding equipment such as phones and fax machines), cable and satellite television and radio services, office supply stores and wholesale distributors. You will earn an additional 1 point for each $1 of net purchases made at merchants that classify their merchant location for Visa/MasterCard in any of the following categories: gas stations, dining establishments. We do not determine whether merchants correctly identify and bill transactions as being made at locations in each particular category. However, we do reserve the right to determine which purchases qualify for the additional points on category purchases. Purchases not eligible to receive the additional points on category purchases include, but are not limited to, purchases made at superstores, warehouse clubs, discount stores, and their affiliates. Online and catalog purchases are not eligible to receive the additional points on category purchases unless the merchants have correctly identified and billed the transactions. You will also earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. Maximum point accumulation on net purchases earning an additional 4 points on category purchases is 100,000 points annually, which equates to $25,000 in net purchases. Maximum point accumulation on net purchases earning an additional 1 point on category purchases is 25,000 points annually, which equates to $25,000 in net purchases. There is no maximum number of points that can be earned on net purchases earning 1 base point, or the additional 1 point on online travel bookings. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.

Redeem for Cash Back
Rewards are earned as points. 1 point equals 1% or $0.01 cash back. For example, 5,000 points can be redeemed for a $50 check.

0% Intro APR for 6 months/No Annual Fee
Please see Pricing & Terms for complete details about rates, fees, and other costs. fees, and other costs.