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 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: 1 Point
• Additional Points: None
• Point Details: Points are redeemable for cash back, merchandise, travel, or gift cards.
• 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: 60,000 Points (5,000 per billing cycle)

Review

Good choice for those with very good credit who want to transfer a balance. Intro period is 12 or 3 months, determined by your application and credit history. 3% balance transfer fee ($5 min., $75 max.). If you have average credit and qualify for the standard pricing, the intro period is only 3 months. In the rewards program, earn 1 point per $1 spent. Redeem points for cash back, travel, merchandise, and gift cards. Earn up to 60,000 points per year; points expire in 5 years. The card has a reasonable interest rate and no annual fee. The card does have a high APR for cash advances and a high default rate. 3% international transaction fee. Benefits include insurance for auto rental, travel accident insurance, and a year-end summary of transactions. Last Modified Date: 8/19/2008 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

The APR for purchases 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.