Best cash back card. You select the categories where you earn 5% cash back rather than having them assigned like most other cash back cards.
Good offer to save money on interest for balance transfers or purchases because of the 0% rate for 15 months on both.
For a card that is intended for people with bad credit, this is a much better option than others out there. It's a really good option for people who have bad credit and are traveling internationally because there are no foreign transaction fees.
This is a new rendition of this card with much more attractive pricing than the previous version. The interest rate structure is more favorable and there's no balance transfer fee.
1 Answer by RJN246:
No, you don't. I have the card and didn't have a relationship with the bank prior to applying for it.