Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): Between 9.99% and 19.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 24.99% 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: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
• Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: 3%, $10 minimum

Reward Program Details

• Points per Dollar: 1.25 Points
• Additional Points: Earn 1.25 points for every $1 in net retail purchases.
• Point Details: Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates.
• Expiration: 5 Years (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 average credit who want a reward card with a low rate. Low fixed rate makes this a good choice for balance transfers (Balance transfer fee is 3% with a $10 minimum). No fee for foreign transactions. Earn 1 point per $1 spent. Redeem points for cash, travel, merchandise, hotel discounts and gift certificates. Earn unlimited points. Points expire in 5 years. Redeem 5,000 points for $25 cash. Redeem 25,000 points for airline ticket in Continental U.S. Last Modified Date: 9/24/2008 12:00:00 AM

Additional Perks

See website for additional benefits.
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Important Notations

This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.