Rewards & Earn Rates
3%
Grocery
3%
Gas
1%
Other
3% cash back on gas and groceries with AutoPay on | 1% cash back on everything else | An additional 1% to 10% at select merchants
Why We Choose It
The Tilt Essentials Card is a credit-building card with no annual fee and no security deposit, and it pays 3% cash back on gas and groceries with AutoPay on and 1% on everything else. Tilt considers a credit limit increase as early as 4 months. It suits someone with little or no credit history who pays on time.
Pros & Cons
Pros
- $0 annual membership fee and $0 foreign transaction fee
- 3% cash back on gas and groceries with AutoPay on
- No security deposit or credit history required
Cons
- 29.99% variable purchase APR
- The 3% rate needs AutoPay
- Late fee up to $40
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