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Cash Rewards variant earns rewards; Rate Advantage emphasizes lower APR; Primary Access supports credit access

Variant assigned based on eligibility; hardship-grant criteria apply

5% back at Barnes & Noble and Paper Source; 2 points per $1 at restaurants excluding Barnes & Noble Café; 1 point per $1 on other eligible purchases

The $25 gift card may be earned only once and requires an eligible first purchase or balance transfer. Barnes & Noble Café purchases are excluded from the restaurant multiplier. Balance transfers must be made within 45 days; a transfer fee applies. Returns, credits, cash advances, fees and cash-equivalent transactions do not earn rewards.

2X Membership Rewards points on the first $50,000 in eligible purchases per calendar year, then 1X; eligible Amex Travel purchases earn 2X and do not count toward the $50,000 cap

• See card-specific caps and merchant-category rules

2X on general eligible purchases is capped at $50,000 per calendar year, then 1X; eligible Amex Travel purchases remain 2X and do not count toward that cap.

No rewards

Promotional financing: Current promotion offers up to 24 months of financing on qualifying storewide purchases. Closed-loop retail financing card for eligible Home Depot purchases; it has no general-purpose payment network or traditional rewards program. Current up-to-24-month financing and up-to-$100 opening savings are promotional offers valid through September 9, 2026 and require a qualifying purchase. Promotional financing may use deferred-interest terms, so the qualifying balance should be paid in full by the deadline to avoid possible accrued interest. Offer amounts, minimum purchase thresholds, and availability vary by promotion.

Closed-loop retail financing card for eligible Home Depot purchases; it has no general-purpose payment network or traditional rewards program. Current up-to-24-month financing and up-to-$100 opening savings are promotional offers valid through September 9, 2026 and require a qualifying purchase. Promotional financing may use deferred-interest terms, so the qualifying balance should be paid in full by the deadline to avoid possible accrued interest. Offer amounts, minimum purchase thresholds, and availability vary by promotion.

Earn Pro Xtra Perks faster on qualifying Home Depot purchases

Home Depot and Pro Xtra program rules apply

2 points per $1 at J.Crew/J.Crew Factory for Navy members and 3 points per $1 for Gold; Mastercard version earns 1 point/$1 on eligible gas and groceries and 1 point/$2 elsewhere; 200 points = $5 reward

Approval may be for the J.Crew private-label card or J.Crew Mastercard. Outside-brand acceptance and rewards apply only to Mastercard. Gas and grocery exclusions and merchant coding apply; rewards require an active linked J.Crew Passport account.

Choose 3X points on up to $2,000 quarterly selected-category spend or a lower-rate non-rewards structure

• Rewards configuration follows Voice quarterly category cap; selected product structure applies

Features depend on the selected Voice configuration. For rewards, 3X is capped at $2,000 of quarterly spend in the selected category and selection rules apply. The intro balance-transfer offer requires transfers within 90 days; fee is the greater of $10 or 3%. Regular APR follows the selected configuration.

No ongoing rewards program; value is Toro promotional equipment financing.

Promotional financing: Through 2026-10-31: deferred interest for 6 months on $199+ or 12/18 months on $500+; 0% equal payments for 12 months on $1,000+ or 24 months on $3,000+

Current campaigns run August 1–October 31, 2026 and require qualifying single-receipt purchases. The 24-month $3,000+ equal-payment offer charges a $150 promotional fee. Deferred-interest offers charge interest from purchase date if not paid in full.

1% cash back on every purchase; 3% gas and groceries when AutoPay is on; additional 1%–10% at select merchants

Prequalification considers applicants for multiple Tilt cards; exact product offered matters. Full application can involve hard pull.

5 points per $1 at eligible TJX family stores, issued as $10 reward certificates for each 1,000 points

The store card is limited to participating TJX family stores and websites; it is not the Mastercard version. The 10% first-purchase offer is one-time and subject to offer terms. Rewards certificates are issued after the account reaches at least 1,000 points. Returns and credits reduce rewards, and certificates follow redemption and expiration rules.

5% back in rewards at TJX family stores; 2% gas, grocery and restaurants; 1% other Mastercard purchases

The 10% first-purchase offer is one-time and subject to the application offer terms. Rewards apply to eligible purchases and depend on merchant coding; returns and credits reduce points. Digital reward certificates are issued after the account reaches at least 1,000 points and follow redemption and expiration rules.

Earn rewards on qualifying Tractor Supply purchases; rates and financing options vary by card version and offer

Card family includes a closed-loop TSC Store Card and a general-purpose TSC Visa. Outside-Tractor-Supply rewards and Visa acceptance apply only to the Visa version. On qualifying Tractor Supply purchases, cardholders generally choose 5% Rewards or promotional financing, not both. Special financing begins at $199 and current long-term 3.99% financing requires a single purchase of $1,599 or more; terms cannot be combined with another credit promotion. Bonus Reward amount and qualifying purchase terms vary in the live application.

Choice of tiered cash-back rewards or unlimited 1.5% cash back, depending on selected rewards option

• No rewards cap on the stated eligible earning rate.

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.

Cash-back secured credit-building card

A refundable security deposit and credit approval are required. Credit limit, deposit return, graduation, rewards eligibility, and fees follow issuer terms. Returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards.

Travel rewards card; current earning structure and offer should be rechecked before detail publication

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.

No rewards focus; introductory APR / financing card

Promotional financing: Introductory 0% APR for 15 months on purchases and qualifying balance transfers. Then 16.74%–25.74% variable APR; transfer fee 3%, minimum $10.

No rewards are earned. Eligibility, balance-transfer timing, credit line, fees, and APR terms are governed by the issuer application and card agreement.

4X travel and first $1,000 combined gas/EV charging each quarter; 5X eligible hotels/rental cars through U.S. Bank Travel Center

4X gas/EV charging is capped at the first $1,000 in combined eligible purchases each quarter. Portal/merchant coding rules apply.

4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2X at grocery stores, gas/EV charging stations and eligible streaming services; 1X on other eligible purchases

Requires a refundable $300–$5,000 security deposit held in a U.S. Bank secured savings account; the deposit generally equals the credit line. No public welcome bonus. 4X dining is capped at the first $2,000 of eligible dining purchases per quarter. Discount stores, supercenters, and wholesale clubs are excluded from elevated grocery/gas categories. The $15 streaming credit requires 11 consecutive calendar months of eligible streaming purchases and an account in good standing.