Specifics

• Introductory Rate: 0% APR for Up to 12 Months
• Applied Towards: Purchases
• APR (Purchases): As low as 12.49% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/a 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
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: n/a
• Over-The-Limit Fee: $35
• Cash Advance Fee: n/a
• Balance Transfer Fee: 3%, $5 minimum, $99 maximum. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: None
• Point Details: Points can be redeemed for cash savings up to the full cost of travel purchases including any flight, hotel, rental car, or cruise, without blackout dates or travel restrictions.
• Expiration: Points do not expire provided the card remains active and in good standing. (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 will use the reward program. Receive 1 pt. per $1 spent on all purchases. Earn unlimited miles; they do not expire as long as the account is active. Redeem points for air travel, cruise, hotel or rental car. There are no travel restrictions or blackout dates. Redeem points in 7,500 increments toward 1 purchase at a time. 7,500 points equals a credit of up to $100. For example, if you have a $153 charge for a car rental, you may redeem 7,500 points for a $100 credit or 15,000 points for a $153 credit. Benefits include auto rental insurance. Last Modified Date: 11/11/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Purchase Protection.
Year-end financial statement (online).
Return protection.
Extended Warranty.
Auto rental insurance.
Various travel and emergency assistance services.
Emergency card replacement.
Up to $100,000 in travel accident insurance.
See website for additional benefits.
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Important Notations

The APR for purchases varies according to the applicant's credit history and may range from 12.49% to 18.49%. Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.