Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): n/app The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/app There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: n/app
• Annual Fee: $125
• Additional Cardholders: $35
• Grace Period: n/app
• Minimum Credit Limit: See Important Notations
• Maximum Credit Limit: See Important Notations
• Late Payment Fee: n/a
• Over-The-Limit Fee: n/app
• Cash Advance Fee: n/a
• Balance Transfer Fee: n/app

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: None
• Point Details: Points are redeemable for travel rewards on over 21 airlines.
• 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

Good card if you pay your balance each month and can take advantage of the reward program. Card includes free access to the Membership Rewards program. Earn 1 point per $1 spent on all purchases. Receive 10,000 bonus points after first purchase. Points may be used for travel rewards on over 21 airlines, or other rewards. Earn unlimited points per year. Points do not expire. The annual fee is high, but it is waived the first year. Benefits include auto rental insurance, travel accident insurance and purchase protection insurance. Card also provides exclusive access to Gold Card events and tickets for select shows, sporting events and concerts. Last Modified Date: 11/4/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Access to Gold Card Events including exclusive tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Discounts on products and services at participating merchants and retailers.
Return protection Purchase protection.
Extended warranty for purchases.
Auto rental insurance.
Medical referral service.
Legal referral service.
Emergency cash replacement.
Lost luggage insurance.
Travel accident insurance.
Guaranteed hotel reservations.
Emergency card replacement.
Year-end financial statement.
Identity theft assistance.
Various travel and emergency assistance services.
See website for additional benefits.
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Important Notations

This card is a charge card and the bill is paid in full each month. The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. See website for complete terms and conditions of card usage and application disclosure.