Earn 1% Cash Back for every dollar in Net Merchandise Purchases. Earn 3% Cash Back for every dollar in interest you accrue on your monthly balances. Earn 2% & 3% Cash Back for purchases in select categories. Redeem for 1% Cash Back or choose from gift cards, travel, merchandise, and more. View your FICO Score for free on your monthly credit card statement. Emergency Card Replacement and Emergency Cash Disbursement.