Both signing up and getting a card is free and there is no monthly fee to have a card. Purchases have on average up to 45 days interest free. Once a month you will receive an invoice with 14 days to repay. You can choose if you want to pay the invoice in full (0% interest) or split it over time. If you split the payment, a company specific interest will be added, starting at 1.95%/month. Your company interest rate will be calculated for you once you have requested a card.