Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): As low as 8.49% 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: $500
• 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%, $5 minimum
• Balance Transfer Fee: A balance transfer fee applies with this offer* (see site for details).

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

This card is created for those with good credit. Low APR. 0% intro rate for up to 12 months for purchases and balance transfers. Benefits include auto rental insurance, travel accident insurance and travel and emergency and assistance services. Balance transfer fee is 3.0% of the amount of each balance transfer, $5 minimum. Last Modified Date: 10/10/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Identity theft solutions.
Price protection program.
Optional personal photo on card.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Year-end financial statement (upon request).
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
See website for additional benefits.
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Important Notations

The APR for purchases and balance transfers varies according to the applicant's credit history and will be 3.49%, 7.49%, or 11.49% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.