Specifics

• Introductory Rate: 0% Interest* for 6 Months
• Applied Towards: Purchases
• APR (Purchases): 14.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 23.99% 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: 25 Days (Min.)
• Minimum Credit Limit: $500
• Maximum Credit Limit: up to $5,000
• Late Payment Fee: $19 on balances up to $250; $39 on balances over $250
• Over-The-Limit Fee: $15 on balances up to $500; $39 on balances over $500
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: None

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®.) (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 students who want a cash back rewards program. This is a good choice if you pay off your balance each month. Earn unlimited Cashback Bonus® of up to 1% of general purchases; earn up to 5% on specific categories that change 4 times a year (categories include gas stations, restaurants, travel and more). Spend up to $1,500 (or purchases at warehouse clubs and discount stores)-.25% rebate, Spend $1,500-$3,000- .5% rebate, spend over $3,000- 1% rebate. If not a full-time student, must have minimum household income of $15,000. Uses Two Cycles Average Daily Balance which may result in a higher finance charge. This card will benefit those who plan to spend over $3,000 per year (to earn the 1% cash rebate) and will pay off their total balance each month. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Various card designs to select from.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
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Important Notations

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