Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): 14.99% 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 up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
• Over-The-Limit Fee: None
• 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 for the standard 1% rebate. (When cardholders reach $600 in monthly spending in the bonus categories, they will only earn the 1% base rebate for each additional $1 of net purchases in these categories.)

Review

Created for those with good credit who want a cash reward card with an option for points. Earn 1 point per $1 spent. Each billing cycle, earn 2 bonus points for each $1 of eligible purchases made at merchant locations in the 3 bonus categories where you have spent the most (when you reach $600 in spending in the bonus categories, you will only earn the 1 point for each additional $1 spent). Maximum bonus rebate accumulation per billing cycle is $12 in bonus rebates or 1,200 points monthly (equates to $600 in net purchases). You have the freedom to switch rewards to earn points instead of cash. Benefits include auto rental insurance, travel accident insurance and emergency assistance services. Average APR for a reward card. The length of your introductory period will be either 6 months for purchases and balance transfers or 3 months for balance transfers only, depending on their review of your application and credit history. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
No liability for unauthorized transactions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Various travel and emergency assistance services.
Travel accident insurance.
Extended warranty for purchases.
Auto rental insurance (Auto Rental Collision Damage Waiver).
Year-end financial statement (upon request).
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

See website for complete terms and conditions of card usage and application disclosure.