Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases)**: 14.24%V The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 21.99%V 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: $75
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: See Important Notations
• Maximum Credit Limit: See Important Notations
• 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: None
• Cash Advance Fee: 3% of each cash advance; $5 minimum
• Balance Transfer Fee: 3% of each balance transfer; $5 minimum

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: Earn 1 Select Spend Point plus 1 Purchase Point for every dollar you spend at gas stations, supermarkets, and drugstores, plus earn 1 Purchase Point for every other dollar you spend. Earn 1 Flight Point for every mile you fly on any airline - or anyone else whose ticket you buy with the card.
• Point Details: Points can be redeemed for flights on any airline with no blackout dates, discounts on hotel stays, retail gift cards, electronics, and statement credits through the ThankYou(SM) Network.
• Expiration: 3 Years (Points do not expire as long as the account is active during a 3-year period.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 200,000 Points (only 100,000 of which may be ThankYou flight points)

Review

The annual fee is slightly high but it has a decent rewards program. Receive 20,000 bonus points after $600 in purchases made within 3 months of account opening. Earn 2 points per $1 spent on purchases made at gas stations, drugstores and supermarkets. Earn 1 point per $1 spent on general purchases. Earn 1 point per 1 mile you fly with any airline (includes tickets bought with the card for someone else). Redeem points for various items, statement credit, or services. Earn up to 200,000 points per year; points can expire in 3 years. Points earned can be used with most frequent flyer programs. Unlimited companion travel (minimum fare requirements apply). Cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. The $75 annual fee is a bit high but this card will benefit those who pay their card off in full each month and can use the reward program and take advantage of a high annual maximum for points. Last Modified Date: 10/8/2009 12:00:00 AM

Additional Perks

Free unlimited companion travel.
Identity theft solutions.
Fraud and security protection services.
Various Internet account related services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Year-end financial statement (upon request).
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
No liability for unauthorized transactions.
Various travel and emergency assistance services.
See website for additional benefits.
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Important Notations

The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. The minimum variable APR for cash advances is 21.99%. See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.