Your card offers you an early repayment option to avoid interest. After your first statement period, interest will generally accrue daily from the day a transaction occurs. With EarlyPay, you can choose to pay off your statement balance in full two (2) days after your statement period ends, so that you’ll pay no interest on transactions for your next statement period. Or, you can make your required minimum monthly payment on your monthly due date, which is twenty-two (22) days after your statement period ends. If making the minimum payment results in any carryover balance from one statement period to the next, all balances will accrue interest for the next statement period. You can pay off your line at any time to eliminate further daily interest.

因此使用这张卡，请务必在出账单2天内还清全款；如果你是习惯性只付 minimum pay 的那么这张卡对你来说坑很大，请勿申请！

这张卡有没有autopay可以设置成自动2天内付清全款？如果可以设的话，那其实只是一开始多了一个设定需要留意，以后使用起来和正常信用卡就没啥区别了。

这张卡的5%返现类别非常好，像超市吃饭药店这种都是很实用的类别。和Freedom/Discover等5%返现卡相比，好处是5%类别是每个月自己选的，而不是需要等银行给安排，可以更大程度上利用好这个类别。而且这张卡的5%上限比 Citi Custom Cash 更大，很给力。

这张卡的利息计算是个坑，如果要申请，请一定要注意还款日期，不要付利息当韭菜。