Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): Prime Rate + 2.49% 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: up to $35,000
• Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
• Over-The-Limit Fee: $39
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: 3%, $5 minimum, $99 maximum

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• 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 (The 3% rebate can be earned on a maximum of $20,000 in qualified purchases.)

Review

Created for those with very good credit who will use the rebate program. The card offers 3% cash back on purchases made at gas stations, office supply and building supply stores, home improvement and hardware stores, and any restaurant (maximum $20,000 in qualifying purchases). Other purchases will receive a 1% rebate. No maximum on the amount earned. Benefits include travel accident insurance and insurance for auto rental. Last Modified Date: 11/4/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
No liability for unauthorized purchases.
Year-end financial statement (upon request).
Emergency cash replacement.
Emergency card replacement.
Lost and stolen card reporting.
Travel accident insurance.
Auto rental insurance (Auto Rental Collision Damage Waiver).
Various travel and emergency assistant services.
Extended warranty for purchases.
Purchase protection.
Visa Business Partner Advantage.
See website for additional benefits.
Certain restrictions, limitations, and exclusions apply.
If an account is opened, please refer to the Guide to Benefits for details.
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Important Notations

The APR for purchases is the Prime Rate + 2.49%. See website for complete terms and conditions of card usage and application disclosure.