Specifics

• Introductory Rate: 0% Intro APR*
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 13.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 22.99% 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
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: $0 on balances up to $100; $39 on balances of $100 and over
• Over-The-Limit Fee: $0 on balances of $1,000 or less; $39 on balances over $1,000
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: 3% for each balance transfer made under this offer

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

Created for those with very good credit who can take advantage of the travel reward program. Earn double miles on up to $5,000 in travel and gas purchases. Earn up to 1 mile per $1 spent on general purchases. Use miles for airfare or reduced airfare with most U.S. airlines. Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your Account is opened. Earn unlimited points each year. No expiration for the points. Last Modified Date: 11/13/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Access to PurchaseChecks.
Fraud and security protection services.
Access to quarterly and annual statements.
Free additional cards for employees.
See website for additional benefits.
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Important Notations

**Cardholders will earn 1,000 Bonus Miles each calendar month a purchase is made, for 12 months from the date of account opening, with a cap of 12,000 Bonus Miles. See website for complete terms and conditions of card usage and application disclosure.