Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): 9.99% / 15.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 19.99% 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 Point
• Additional Points: None
• Point Details: Points are redeemable for cash, merchandise, travel with no blackout dates, dining certificates, and more.
• 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 very good credit who want a reward program. Good intro rate and low fixed rate make this a good choice for balance transfers. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, etc. Earn unlimited points. Points expire within 5 years. Last Modified Date: 8/25/2008 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. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.