When I activating my Hooters card the guy asked me if I wanted the regular card are the rewards card. I asked him the differents and he said the rewards card has a higher apr and with the normal card you'll have a low apr with a chance to get it lowered over time. I don't ever leave a balance so I chose the reward card. Does anyone have the regular card? If so how low was the apr? My Hooters started at 18.99.