Find your card
Explore our business and personal credit card options and compare rates, rewards and annual fees to find the card that fits your needs.
Business Credit Cards
Options for everyday business purchases, travel rewards and eligible company spending.
*Business Premium annual fee may be waived if spending exceeds $50,000 in the previous 12 months. P Cards are virtual cards only and require a Business Premium account. Confirm applicable account and payment terms before applying.
Independence Business
A straightforward option for everyday business spending.
Annual Fee
$0
Fixed APR
14.48%
Rewards
1x
Earn 1 point per $1 spent.
Independence Business Premium
Extra rewards on fuel and hotel purchases.
Annual Fee
$250*
Fixed APR
16.48%
Fuel and Hotel
2x
Earn 2 points per $1 on fuel and hotel purchases and 1.5 points per $1 on all other purchases.
Independence P Cards
Virtual cards for eligible Business Premium customers.
Annual Fee
$250 per company
Fixed APR
16.48%
Fuel and Hotel
2x
Earn 2 points per $1 on fuel and hotel purchases and 1.5 points per $1 on all other purchases. Balance due in full.
Personal Credit Cards
Choose the everyday card or rewards option that best fits your spending.
*Independence Premium annual fee may be waived if spending exceeds $15,000 in the previous 12 months.
Independence Freedom
A simple option for everyday purchases with no annual fee.
Annual Fee
$0
Fixed APR
12.48%
Rewards
1x
Earn 1 point per $1 spent.
Independence Premium
Earn additional points on fuel and hotel purchases.
Annual Fee
$100*
Fixed APR
16.48%
Fuel and Hotel
2x
Earn 2 points per $1 on fuel and hotel purchases and 1 point per $1 on all other purchases.
Compare Card Features
Review the main features side by side.
P Cards are not included in this comparison table because they have seperate eligibility and payment terms.
Business | Business Premium | Freedom | Consumer Premium | |
Fixed APR | 14.48% | 16.48% | 12.48% | 16.48% |
Annual Fee | $0 | $250* | $0 | $100* |
Rewards on other purchases | 1 point per $1 | 1.5 points per $1 | 1 point per $1 | 1 point per $1 |
Fuel and Hotel Purchases | 1 point per $1 | 2 points per $1 | 1 point per $1 | 2 points per $1 |
Rates, Fees & Important Information
Open a section below to review additional card terms and fees.
- Penalty APR: 24.98% after two late payments
- The penalty APR will revert after six months of on-time payments
- Cash advance APR: 24.98%
- Metal card replacement fee: $50
- Plastic card replacement fee: $15
- One free replacement per year
- Cash advance fee: greater of $10 or 5%
- Balance transfer fee: greater of $10 or 5%
- Late fee: $30 after 3 calendar days
- International transaction fee: 1%
-
NSF returned payment fee: $30
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Additional rewards promotions may be offered from time to time
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Business Premium annual fee waiver: spending exceeds $50,000 in the previous 12 months
-
Consumer Premium annual fee waiver: spending exceeds $15,000 in the previous 12 months
