Compass Black offers no interest for 15 months, plus cash back on EVERY purchase when you set up direct deposit—no categories to track and no annual fees. ✅ Earn 3% cash back on all purchases ✅ 0% Intro APR for 15 months ✅ No annual fees The Compass Black card is designed to let your money work for you, not the other way around. *APR = Annual Percentage Rate. Not all applicants will qualify. See website for full details and disclosures.