Specifics

• Introductory Rate: 0% APR for 12 Months
• Applied Towards: 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: $300
• 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: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Good reward choice for users who pay their balance off each month and who have a home mortgage. During the first 12 months of membership, participants in the reward program earn 6% of each dollar spent on telecommunication, utilities, Internet connection, and cable/satellite TV, and 1% for each $1 spent on all other purchases. After intro period ends, earn 1% rebate toward mortgage principal with no limit on the amount of your rebate; no expiration for rebates. The "Home Mortgage Rebate" will be applied against the outstanding mortgage principal. 3% international transaction fee. Balance transfer fee is 3% of each balance transfer, $5 minimum. Platinum benefits include up to $1,000,000 in travel accident insurance and fraud protection services. This card will benefit those who will pay in full each month after the introductory rate expires (to avoid finance charges) and will be able to take advantage of the mortgage rebates. Last Modified Date: 9/10/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
No liability for unauthorized purchases.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistant services.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
Year-end financial statement (upon request).
See website for additional benefits.
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Important Notations

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