Specifics

• Introductory Rate: 0% APR for up to 6 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 9.99% 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 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: The maximum rebate you can earn for gas purchases on a monthly statement is $15. The 1% rebate earned on all other purchases is unlimited.

Review

This card has a high APR, so it is a good choice only if you pay your balance off each month. It gives rebates on gas purchased at any gas station, not just a specific brand. 6% rebate on all purchases made at any gas station for the first 90 days. After that, you will earn a 3% rebate on all gas purchases (maximum monthly rebate on net purchases that earn the 3% rebate is $15). 1% rebate on all other purchases. Rebates are automatically credited toward any future purchase made with the card. 3% balance transfer fee. Last Modified Date: 11/4/2008 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.
Fraud and security protection services.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance (MasterRental).
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. The APR for cash advances varies according to the applicant's credit history and is either 15.99% or 19.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.