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How we stack up
to other cash back cards.

Compare Our Card Against Other Cards

You'll see it really does pay to have a card where you're an owner.


 

 
Community First
Cash Back Visa Signature®
Capital One®
Quicksilver®
Associated Bank®
Max Cash
Chase
Freedom Unlimited®
Bank of America®
Customized Cash
Citi
Double Cash®
Give Back

Unlimited 1.5% cash back on all purchases

Unlimited 1.5% cash back on all purchases

Limited 1% to 5% cash back on specific categories

Unlimited 1.5% to 5% cash back on specific categories

Limited 1% to 3% cash back on specific categories

1% on purchases and 1% on payments
Rewards Restrictions NONE None 5% cash back on $2,000 quarterly spend limit None 3% cash back on $2,500 quarterly spend limit None
Rewards Redemption

No minimum

Rewards available on demand

Can be deposited into an account or as statement credit

No minimum

Rewards available on demand

$25 minimum

Rewards available on demand

No minimum

Rewards available on demand

$25 minimum

Rewards available on demand

No minimum

Takes up to two billing cycles for rewards to be applied
Rewards Expiration 5 years 12 months, if inactive 12 months, if inactive 24 months, if inactive 24 months, if inactive 24 months, if inactive
APR (Annual Percentage Rate) Variable rate of 15.50% - 18.40% APR based on Prime Variable rate of 19.24% - 29.24% APR based on Prime Variable rate of 18.49% - 28.74% APR based on Prime Variable rate of 19.49% - 28.24% APR based on Prime Variable rate of 18.24% - 28.24% APR based on Prime Variable rate of 18.24% - 28.24% APR based on Prime
Annual Fee $0 $0 $0 $0 $0 $0
Balance Transfer Fee $0 Up to 4% of transfer amount 3% of transfer amount or $5 minimum 5% of transfer amount or $5 minimum 4% of transfer amount 5% of transfer amount or $5 minimum
Foreign Transaction Fee NONE None 3% of each transaction in U.S. dollars 3% of transaction in U.S. dollars Up to 5% of each transaction in U.S. dollars 3% of each transaction in U.S. dollars
Cash Advance Fee 2% of transaction or $10 minimum 5% of transaction or $5 minimum 5% of transaction or $10 minimum 5% of transaction or $10 minimum 4% of transaction 5% of transaction or $10 minimum
Late Payment Fee Up to $35 Up to $40 Up to $41 Up to $40 Up to $40 Up to $41
Comparison of common fees and restrictions as of 1/01/2025. Fees, terms and rates subject to change. Capital One® is a registered trademark of Capital One. Associated Bank® is a registered trademark of Associated Banc-Corp. Chase® is a registered trademark of JPMorgan Chase & Co. Bank of America® is a registered trademark of Bank of America Corporation. Citi® is a registered trademark of Citigroup Inc.