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 reward credit card. Earn unlimited rebates- up to 1% of general purchases and up to 5% on specific categories that change 4 times each year (categories include gas stations, restaurants, travel and more). Spend less than $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. Double Cashback Bonus® by using rewards for gift cards at participating retailers. 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 will spend over $3,000 a year (to get the 1% cash rebate), and plan to pay off their balance each month. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various card designs to select from.
Various Internet account related services.
No liability for unauthorized transactions.
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.