Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): 9.9% / 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 travel rewards, merchandise, gift certificates, cash, 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 boating fans with good credit who want to participate in Worldpoints reward program. Earn 1 point per $1 spent. Redeem points for travel, cash, merchandise, and gift certificates. 5,000 points for $25 gift certificate. 25,000 points for round-trip airline ticket. 0% intro rate for 12 months for balance transfers and cash. Balance transfer fee is 3%, min. $10. Last Modified Date: 10/27/2008 12:00:00 AM

Additional Perks

See website for additional benefits.
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Important Notations

The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.