DO NOT get this card! Customer service hung up on me. The annual fee, has now been broken up into 12 monthly payments, with no warning! This is a BAD card to use for credit building. When you have a transaction, the app doesn't tell you who the merchant is. That's bad business. How can I dispute a fraudulent charge, if I can't see what the charge was for? I know I didn't use the card, so is this a yearly expense fee? That's a bunch of garbage. Show me what your taxing me for! YOU'VE BEEN WARNED!