Discover the Credit Card
More convenience, more perks, no complications.
By: Total Finanças
A Credit Card That Fits Your Lifestyle
Flexibility, savings, and everyday benefits in one place This credit card was designed to simplify your financial life while giving you something back every time you use it. With a straightforward and transparent rewards system, you’ll earn 1.5% cashback on all purchases — no rotating categories, no hoops to jump through. You’ll also have access to seasonal promotions offering up to 5% cashback in select categories like grocery stores, restaurants, and streaming services. Everything is handled automatically, so you never miss out on rewards. There’s no annual fee for the first year, and just $95 per year after that. New users also enjoy a 0% introductory APR for 15 months on purchases and balance transfers — ideal for managing bigger expenses or consolidating debt. After the intro period, a variable APR of 18.49% applies (based on creditworthiness).
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Will applying affect my credit score?
No. You can check if you pre-qualify without any impact. A full credit check only happens if you proceed with the final application.
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Is there an annual fee?
The first year is free. After that, there’s a $95 annual fee, which may be waived in some promotional periods.
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Are there foreign transaction fees?
No. You can use this card abroad with zero foreign transaction fees, making it great for travelers.
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How do I redeem my cashback?
Cashback can be redeemed at any time for statement credits, bank deposits, or gift cards via the app or online portal.
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Can I add authorized users?
Yes. You can add authorized users for free, and all their purchases will also earn cashback on your account.
How to Apply for the Credit Card
Fast, secure, and entirely online Getting this credit card is simple and stress-free — the entire process takes just a few minutes and can be done from your phone or computer. Step 1: See if you pre-qualify Use our online tool to check your eligibility with no impact on your credit score. It only takes a minute. Step 2: Complete your application Fill out a short form with your personal details, income, and employment information. It’s quick, safe, and fully encrypted. Step 3: Get an instant decision Most applicants receive a response in seconds. If approved, you can start using your virtual card immediately while your physical card is shipped to your address. Step 4: Start customizing your experience Once your account is active, set up alerts, track spending, and manage rewards through our user-friendly mobile app. No paperwork. No in-branch visits. Just a simple way to get a credit card that meets your needs.