Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): As low as 10.99% 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: 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%, $5 minimum
• Balance Transfer Fee: A balance transfer fee applies with this offer* (see site for details).

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: Earn 1 ThankYou flight point for every three miles the cardholder flies on any airline - or anyone else whose ticket is bought with the card. Earn 1 ThankYou purchase point per dollar spent on all purchases.
• Point Details: Points can be redeemed for flights on any airline, merchandise, gift certificates, 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: 100,000 Points (only 50,000 of which may be ThankYou flight points)

Review

Created for those with excellent credit for those who want travel rewards. There is no annual fee and a reasonably low interest rate for purchases and balance transfers. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening; balance transfer fee is 3% ($5 minimum). Participants in the reward program earn 1 point per $1 spent on general purchases and 1 point for every 3 miles flown on any airline. Receive 10,000 bonus points after the first $300 in purchases made within 3 months. Redeem points for various items or services. Earn up to 100,000 points per year; points will expire in 3 years. Points earned are also compatible with most frequent flyer programs. 3% international transaction fee. Platinum benefits include travel accident insurance (up to $1,000,000), various emergency and travel assistance services and purchase protection. Last Modified Date: 11/3/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Automatic bill payments.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
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.
Up to $1,000,000 in travel accident insurance.
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 APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.