Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 10.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 20.99% 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 less than $100; $29 on balances of $100 up to $250; $39 on balances of $250 or more
• 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: 1 Point
• Additional Points: None
• Point Details: Points are redeemable for travel, cash, merchandise, and gift certificates/gift cards.
• Expiration: n/a (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 60,000 Points (5,000 per billing cycle)

Review

Created for those with very good credit and who will use the reward program. Balance transfer fee is 3% ($5 min., $75 max). Earn 1 point per $1 spent on general purchases. Redeem points for gift certificates, merchandise, cash or a selection of travel awards. Earn up to 60,000 points per year; points expire in five years. Cardholder benefits include travel accident insurance, purchase protection and auto rental insurance. You will be charged a $25 service fee for travel agency services for mileage redemption. 3% international transaction fee. Last Modified Date: 8/19/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
No liability for unauthorized transactions.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance (Auto Rental Collision Damage Waiver).
Travel accident insurance.
Year-end financial statement (upon request).
Various travel and emergency assistance services.
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 and balance transfers varies according to the applicant's credit history and will be 5.99%, 9.99%, or 14.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.