The annual percentage rate can range from 13.99% to 22.99% based on your credit history. The better your credit, the lower your interest rates. They have a reward rate of 5% when shopping there or at one of their partner stores such as buybuy Baby, Christmas Tree Shops and Harmon. All other purchases earn one percent. If you have good credit, there are many cards that can yield at least 1.5% on everything and cards that have rotating categories which can get you 5% on most things. Another thing to consider is that they inflict a minimum interest charge of $2, which means a minimal balance can cause a proportionally high interest rate. This could quickly negate any rewards.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.