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Not sure how this fits in, but she did mention there's no higher interest penalty for late payments.

AT least in the video, they do charge you late fee. If you pay balance in full, there's no fee. But if you don't, then the minimum interest they charge is around $20.

From their website: Variable APRs range from 13.24% to 24.24% based on creditworthiness. Rates as of March 2019

So a doubling time of about 5 to 3 years, for those who don't understand compound interest (which is most humans, hence credit cards being insanely profitable).

wow, is 13.24% considered good?

For a credit card, yes. That's lower than any of the cards listed on NerdWallet's "Low Interest Credit Cards" page.