No Annual Fee Earn $25 in cash rewards each calendar quarter when you pay more than the monthly minimum and pay each bill on time - up to $100 in cash rewards each year Get an extra $5 bonus per quarter if you have at least one other qualifying account with us for an additional $20 in cash rewards per year - that's up to $120 in total cash rewards per year Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account