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: $95
• Additional Cardholders: $30**
• 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 can be redeemed for travel certificates from 16 domestic and international airline partners. Points can also be transferred into 11 different frequent flyer programs (1 point equals 1 frequent flyer mile or frequent guest credit for most programs).
• 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 those with good credit who pay in full each month and want a rewards card. Earn 1 point per $1 spent on all purchases. 5,000 bonus points after first purchase. Points can be transferred to 11 airline frequent flyer programs (1 point per mile). Other reward also available. Earn unlimited points per year; points do not expire. High annual fee: $95 annual fee for basic card and $30 for additional card. Benefits include auto rental insurance, travel accident insurance, purchase protection services, purchase protection plan, and merchant discounts. Last Modified Date: 11/4/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Year-end financial statement.
Fraud protection.
Extended warranty for purchases.
Purchase Protection.
Medical referral services.
Legal referral services.
Roadside assistance.
Emergency cash replacement.
Lost luggage insurance.
Guaranteed hotel reservations.
Auto rental insurance.
Up to $100,000 in travel accident insurance.
Emergency card replacement.
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.