Specifics

• Introductory Rate: 0% APR for 12 Months
• Applied Towards: Purchases
• 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: n/a
• 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: $35
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: n/a

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: Earn 3 points for every dollar spent on eligible business purchases, and earn 1 point on all other purchases.
• Point Details: Points are redeemable for gift cards, merchandise, travel, and more.
• Expiration: 3 Years (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

Review

This card is created for business users who want to manage business expenses on one card that has a reward program. No annual fee for reward program. Earn 3 points per $1 spent on office supply retailers and 1 point per $1 spent on general purchases. Earn up to 100,000 points per year. Receive 10,000 points after $250 in purchases; this is redeemable for a $100 gift card. Option to request your own reward- tell them the reward you want, if they can find it, they will tell you the points required. Benefits include travel accident insurance, fraud protection and auto rental insurance and discounts from participating retailers. Last Modified Date: 12/3/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Business-size credit line.
Savings on everyday business purchases.
Quarterly and annual account summaries.
Personal business assistant.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Various travel and emergency assistance services.
Purchase protection.
Fraud and security protection services.
Travel accident insurance.
Auto rental insurance.
Legal referral services.
Medical referral services.
Lost luggage assistance.
No liability for unauthorized transactions.
Automatic bill payments.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
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Important Notations

The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.