Specifics

• Introductory Rate: 0% APR for 15 Months
• Applied Towards: Balance Transfers
• APR (Purchases): 7.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 7.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $50,000
• Late Payment Fee: $19 if balance is less than $250; $39 if balance is $250 or more
• Over-The-Limit Fee: $15 on balances up to $501; $29 on balances of $501 up to $1,001; and $39 on balances over $1,001
• Cash Advance Fee: 3%, $5 minimum ($50 maximum for convenience checks)
• Balance Transfer Fee: 3%, $5 minimum, $90 maximum (with this introductory offer)

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: None
• Point Details: Points can be redeemed for travel, pre-paid bonus cards, gift certificates, or merchandise.
• Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for business owners who want to transfer business expenses onto one credit card account and earn rewards or rebates for business purchases. Earn up to 5% rebate on qualifying purchases of computers, office supplies, telecommunications and utilities, gasoline and diesel fuel. Earn 1% rebate on all other purchases. Earn unlimited Cash Back rewards. Rebate checks are issued when $50 is earned in rebates. You may also choose the travel rewards program. Earn 1 point per $1 spent on all purchases made with the card. Points can be redeemed for various travel rewards. Earn unlimited points each year. Benefits include extended warranty coverage, auto rental insurance, itemized expense reports, and online account access. Discounts on various products and services from participating retailers and merchants are also available. One of the lowest rates available for a business card. Balance transfer fee is 3%; maximum $90. Last Modified Date: 8/19/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Personalized business design.
Personalized business checks.
Personalized billing date.
Online statements and management reports.
Auto rental insurance.
Purchase protection.
Extended warranty for purchases.
Discounts on products and services at participating merchants and retailers.
Compatible with Quicken® and Microsoft Money® software.
Access to travel rewards or rebate program.
See website for additional benefits.
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Important Notations

Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The APR is based on the highest Prime Rate during a 90-day period. The variable APR for cash advances varies according to the applicant's credit history and will be either 7.99% or 19.99%. See website for complete terms and conditions of card usage and application disclosure.