Specifics

• Introductory Rate: 0% APR for 6 Months
• Applied Towards: Purchases, Balance Transfers, Cash Advances
• APR (Purchases): 14.99% 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: $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: There is no balance transfer fee with this offer* (see site for details).

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: 5 Years (Rebates will automatically expire if no transactions are made for 12 consecutive months.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: Up to $1,000 in rebates toward a vehicle during any 12 consecutive months (The rebate maximum which can be redeemed on any vehicle purchased or leased is $5,000.)

Review

Created for students who are planning on purchasing a new or used vehicle within the next 5 years. This card is a good choice if you pay off your balance each month and can use the rewards program. Purchases made at grocery stores, gas stations and supermarkets earn a 3% rebate. Other general purchases receive a 1% rebate. Earn up $1,000 in rebates per year. Maximum rebate is $5,000 toward a new or used vehicle purchased anywhere in the US. Rebates can be used for the payment of service, maintenance, or repairs on a vehicle. Unused rebates expire in 5 years. Last Modified Date: 10/8/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Build your credit history.
Free online account management.
$0 liability on unauthorized purchases.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Fraud and security protection services.
Optional personal photo on card.
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.
Access to credit education tips and tools.
See website for additional benefits.
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Important Notations

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