TRIO®

TRIO® is built for cardholders who want a simple no-annual-fee cash-back card and do not want to manage rotating categories or travel rewards programs. It works best as a straightforward everyday card for light to moderate spending, especially if ease matters more than chasing higher reward rates.

Welcome Offer

$100

Annual Fee

Rec. Credit Score

Excellent

Good For

Simple cash back

How to Apply

All information about TRIO® has been collected independently by MaxRewards. TRIO® is no longer available through MaxRewards.

Is the TRIO® worth it?

This card is great for...

Everyday purchases

No-fee card setup

Basic one-card use

TRIO® is worth a look if your main goal is keeping things simple. With no annual fee, flat cash back on purchases, and a modest welcome offer, it gives you a low-maintenance way to earn rewards without having to track categories or use travel partners.

The tradeoff is upside. A flat 1% cash-back rate is easy to understand, but it is also fairly limited for a primary spending card. If you spend regularly and want to maximize rewards, many no-annual-fee cards offer stronger everyday returns or bonus categories. This card makes the most sense for someone who values simplicity first and is comfortable giving up higher earning potential.

MaxRewards Verdict

TRIO® fits a cardholder who wants uncomplicated cash back and no annual fee above all else. For most readers, the main limitation is the low 1% earning rate, which makes it harder to stand out as a long-term primary card.

Welcome Offer

$100 after you spend $1,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$100

Required Spend

$1,000

Time Frame

3 Months

Est. Value

$100

Required Spend

$1,000

Time Frame

3 Months

What's your average monthly spend?

$400

You should easily hit the bonus threshold with this spend!

Rewards

The rewards setup here is as simple as it gets: cash back on every purchase at the same rate. That makes TRIO® easy to use, but the key question is whether straightforward earning matters more to you than a higher return.

CategoryEst. yearly spendRateRewards

Dining

Jul 1 – Sep 30 · Up to $1,500 in spend

Est. yearly spend

Rate3%

Rewards

Grocery

Jul 1 – Sep 30 · Up to $1,500 in spend

Est. yearly spend

Rate2%

Rewards

Everywhere

Est. yearly spend

Rate1%

Rewards

Est. Annual Rewards

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.