For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Earn cash back on all purchases by getting 1% back when you buy, another 1% back when you pay. You'll also have a 0% intro APR on balance transfer for 18 months. After that, a variable APR of 16.24% - 26.24% applies based on your creditworthiness.