The Engine is a charge card from Engine. Application typically pulls a hard report from TransUnion. The annual fee is $0. Signup bonus: 20,000 Engine points (about $200 travel credit) after $2,000 in qualifying off-platform spend within 30 days of accepting the credit limit (limited time; new Engine X accounts only). Rewards: Points: hotels and rental cars booked on Engine 6% (base) / 7% (spend $250k) / 8% ($2.5M) / 10% ($5M); 1.5% on everything else. Loan terms: Charge card; full balance due each billing cycle (weekly, biweekly or monthly statements; due on the statement Due Date, or 30 days after the charge if none shown); payment schedule chosen in the application; Autopay available.