*Earn 3% cash back on first $1,250 of gas purchases per quarter and 2% cash back on first $1,250 of grocery purchases per quarter. Once you have reached your maximum in a category, you will receive 1% cash back for those purchases for the remainder of the quarter. Converting points into cash back is one of several redemption options. Please note there is a $5 or 500-point redemption fee associated with the cash back option. Cash back takes the form of a statement credit.

** Certain restrictions apply.

See  www.mastercard.us/zero-liability for details.

*** Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, January 21, 2020, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of November 15, 2019, the Prime Rate was 4.75%. Future Prime Rates and corresponding APRs will vary. 

Review complete disclosures.