Quick, easy & hassle free

Borrow Bonus Cash Back Platinum card

After you spend $3,000 on purchases in the first 3 months after account opening.

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You Deserve a Better Credit Card

Annual Fees

$0 Annual Fee. No Foreign Transaction Fees.No Application Fees. No Overlimit Fees.

Rewads

Earn unlimited 1.5% cash back on every purchase, every day.

Purchase Rate

0% intro APR on purchases and balance transfers for the first 12 months, after that variable APR of 14.74% – 20.74%†

No Security Deposit

Fraud Coverage

Redeem Your Way

Explore Borrow Credit Card Benefits

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Purchase Notifications

 

Alerts for account

 

Personalize your payment

 

Purchase Notifications

 

Warranty Protection

 

apply now*Offer Details | Pricing & Terms

Purchase Notifications

 

Alerts for account

 

Personalize your payment

 

24 / 7 Customer Service

 

Warranty Protection

 

apply now*Offer Details | Pricing & Terms

Purchase Notifications

 

Alerts for account

 

Personalize your payment

 

24 / 7 Customer Service

 

Warranty Protection

 

apply now*Offer Details | Pricing & Terms

Purchase Notifications

 

Alerts for account

 

Personalize your payment

 

24 / 7 Customer Service

 

Warranty Protection

 

apply now*Offer Details | Pricing & Terms

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Rate and fee information

  • Interest rates and Interest charges

  • Purchase Annual Percentage Rate (APR)

    0% fixed Intro APR for the first 12 months that your Account is open. After that, 14.74% to 20.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

  • Balance Transfer APR

    0% fixed Intro APR for the first 12 months that your Account is open. After that, 14.74% to 20.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

  • Cash Advance APR

    26.49%. This APR will vary with the market based on the Prime Rate.

  • Default APR and When It Applies

    Up to 29.99%. This APR will vary with the market based on the Prime Rate.c The Default APR may be applicable to your Account if you:

    • Fail to make any Minimum Payment by the date and time due (late payment); or
    • make a payment to us that is returned unpaid.

    How Long Will the Default APR Apply: If an APR is increased for any of these reasons, the Default APR may apply indefinitely to all outstanding balances and future transactions on your Account.

  • Grace Period

    Your due date will be a minimum of 20 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

  • Minimum Interest Charge

    None

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  • Annual Membership Fee

  • Transaction Fees

    • Balance Transfer
    • Cash Advance
    • Foreign Transactions
    • N/A (Balance Transfers are not available)
    • N/A (Cash Advances are not available)
    • None
  • Penalty Fees

    • Late Payment
    • Over-the-Credit Limit
    • Returned Payment
    • Up to $25
    • None
    • Up to $37