Finance charges are only 20.5% with a 30 day grace period Only a 49 dollar annual fee and no processing fees required. Jim and I got a joint card to help him build up his credit. Not too bad. Plus if we want to activate the credit guard insurance, it isn't some crappy 200 dollar fee. It is only 1.08 per 100 dollars of the balance on the card, and it covers loss of a job, birth of a baby or other family leave etc. Pretty nice deal for us especially since Jim's credit is sooooooo awful I am happy and maybe this will get his score right up there sooner.