Get cash back with a bonus
Earn 1% cash back on all purchases. Plus, get a 25% bonus on the cash back you earn each month when you pay your bill on time.
|Annual Purchases||Spend||Cash Back|
|Textbooks||$1,200||at 1% = $12|
|Food & gas||$1,000||at 1% = $10|
|All other purchases||$3,000||at 1% = $30|
|Bonus on cash back||at 25% = $13|
|Total Cash Back:||$65|
Move the slider to see how fast your cash back can add up.1
The choice is yours! Redeem your cash rewards for:
Cash your check and use the money any way you choose!
We'll simply apply your cash back as a credit to your account.
Gift giving just got easier with our brand-name gift cards.
Get your cash back when you want it:
Simply call our Rewards Center toll-free when you're ready to redeem.
Log in to our rewards Web site to request your cash back.
Set a threshold for redemption and get your cash back automatically.
|Rewards||1% cash back on all purchases
Plus, get a 25% bonus on the cash back you've earned every month you pay on time—for a total of 1.25% cash back
|Purchase APR||19.8% variable APR|
|Transfer Info||19.8% variable APR; No Transfer Fee|
|Additional||Rates & Disclosures|
Learn More About Building Credit
Get information about the Journey card and how students can build credit responsibly. Visit
Common Credit Card Terms
Credit limit - The maximum amount of available credit a cardholder may access. The Consumer Federation of America suggests people carry credit lines no greater than 20 percent of their gross income. For example, people with a gross income of $50,000 should not use credit lines of more than $10,000.
Annual Percentage Rate (APR) - The Annual Percentage Rate is a measure of the full cost of credit, expressed as a yearly rate. The APR takes into account the amount financed, the finance charge, and the amounts and timing of the payments. Under Federal Truth in Lending laws, all lenders are required to disclose the APRs associated with an offer. These disclosures are designed to help consumers understand what the cost of credit could be before they make any financial decisions.
Annual fee - A fee charged (on a yearly basis) for the customer's continued participation in an open-end credit plan.
Over-the-limit fee - A fee charged for exceeding the credit limit on the card if the customer chooses to accept this account option.
Late payment fee - A charge to a customer whose monthly payment has not been received as of the due date for payment as shown on the billing statement. Paying your credit card balance in full each month instead of carrying a balance is always a good idea.
Balance transfer - The process of moving an unpaid credit card debt from one issuer to another. Card issuers sometimes offer lower rates to encourage balance transfers.
Cash advance fee - A charge for using a credit card to obtain cash (generally at an ATM or bank window). This fee is usually either a percentage of the amount of the cash advance or a flat, per-transaction fee. Generally, cash advance fees do not have a grace period, which means that interest accrues from the moment the money is withdrawn.
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Annual bonus amounts are estimates and calculated assuming 12 on-time monthly payments. The actual amount of cash back you earn will depend on your credit limit, payment history, and purchase activity.