- $0 ANNUAL FEE 💯 - 0% INTRO APR FOR FULL 12 MONTHS 💜 - 1.25 MILES PER DOLLAR ON EVERY PURCHASE 🤑 This is my favorite card!

------------------------------------------------------------- I think my credit score was slightly under 700 when I had applied for this card. It is 731 now! I have only had this card for a year and a half. Just after 8 months they increased my limit from $1000- $5000 automatically. ------------------------------------------------------------- PROS: •NO annual fees. That's right, $0 in fees. Not only that, but 0% APR for 12 months. •20,000 ($200) Bonus Mileage points if you spend $500 within 3 months. (Simple goal) •Unlimited 1.25X Mileage points on ALL purchases. (You can redeem points through airlines and hotels, but you can also just use them per value like with Amazon or through your card on Paypal.) •Extremely well designed app. Simple to use, customize, and access documents. Comes with Credit Wise which is essentially another form of Credit Karma. I have found I like Credit Wise the most and gives me great advice. •NO foreign transaction fees/Transfer Fees •THERE IS A REFERRAL PROGRAM! Full transparency. If you submit an application with my referral code and are approved, I will receive 15,000 miles ($150). This goes up to 50,000 miles per year. That's a lot of money on top of the miles you will already be earning just by using the card. ------------------------------------------------------------- CONS: •It's a credit card. •15.49%+ APR after a year. •You can only get up to 50,000 miles per year, for referrals. I'm guessing that this keeps people that have mass followings from over profiting. I'm sorry that this was a lot, but I really do believe in this card and wanted to share my honest experience. It has helped me build my credit and accrue more credit + plenty of rewards along the way. 💜🤑 ------------------------------------------------------------- Please let me know if you have any questions. If you are interested, I would be very grateful if you would use my referral link.