刚开始收到invitation by mail 还以为只能给有personal business的人用，后来他们又打电话给我邀请偶申请。他们告诉偶说不用非得是business owner才能申请，个人也能用.

Its benefit:

Cash back 3% on all restaurants (big plus for me since we eat out so often!)

3% on all office supply store, hardware store, and home improvement stores (we use it for our home office supply and home deport purchase etc.)

Also 3% on gas but we would use our citi or discover for higher rebate at 5%

1% on all others.

$600 annual limit on 3% cash back and no limit for 1% puchases.

Cash back balance shows on the statement every month and will be issued every year on your card open date.

Here is the website I use to pay my bill but you may try to find the customer service number and call them to apply https://online.firstusa.com/bolHome.aspx?partner=cmsfi