Smart Financial Credit Cards

    iQ Points Rewards Card**

    Reward yourself on everyday purchases with the Smart Financial
    iQ Points Rewards Card

    Apply Now

    Get rewarded by earning points for every dollar you spend with the Smart Financial iQ Points Rewards Card. Just make a purchase and your points will be automatically added to your account. You can redeem your points for merchandise or gift cards. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Smart Financial iQ Points Rewards Card!

    Save more with a low interest rate
    • No annual fee
    • 0.00% Introductory Balance Transfer APR for the first 12 billing cycles from first balance transfer
    • Earn points as you spend that can be redeemed for merchandise, travel, downloadable content and gift cards
    • EMV technology for more secure cardholder experience
    • Special amenities at a unique collection of over 800 of the world’s most exceptional hotels and resorts
    • Experienced concierge professionals to assist cardholders 24 hours, 7 days a week
    • Price protection guarantees the best available price on most new products if cardholder finds lower price within 120 days of purchase
    APR for Purchases and Balance Transfers Annual Fee Balance Transfer Fee
    Variable Annual Percentage Rates from 10.99%* - 15.99%*
    • All rates are dependent on credit worthiness
    • The member's rate will be determined once their application has been processed and approved
    • Variable rates are tied to the Prime Rate and subject to change as the prime rate changes
    • 0.00% Introductory Balance Tranfers APR for the first 12 billing cycles that the account is open
    • See Terms and Conditions for more details on variable rate APRs and for cash advance and penalty APRs
    $0

    • 3% Balance Transfer Fee on Balance Transfers
    • See Terms and Conditions for fees that apply to other transaction types

    *Annual Percentage Rate. All rates are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change in the future.

    ** Special Conditions apply

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