Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): 14.99% 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: $5,000
• Maximum Credit Limit: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
• Over-The-Limit Fee: None for Visa Signature® accounts only. $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 for Platinum Plus® accounts.
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: 3%, $10 minimum

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: None
• Point Details: Each time the cardholder earns 5,000 points, they can convert them to a $75 payment deposit into an eligible Fidelity account, including individual, joint, trust, corporate, Roth IRA, Traditional IRA, and Rollover IRA registrations. Points may also be redeemed for cash, merchandise, and travel.
• Expiration: 5 Years (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 who pay off their balance each month and want to receive cash deposits into their Fidelity Account. Earn 1 point per $1 spent on net retail purchases. Earn 5,000 points and convert them to a $75 payment deposit into an eligible Fidelity account (trust, joint, individual, corporate, Traditional IRA, Roth Ira). May also use points for cash, travel, and merchandise. Rewards begin at 2,500 points for cash rewards redemption and merchandise, 5,000 points for deposits into Fidelity accounts, and 25,000 points for air. Earn unlimited points each year; points expire within 5 years. Benefits include roadside assistance, travel accident insurance, and discounts to restaurants, events, and merchants. Reasonable interest rate and 0% APR for 12 months for balance transfers. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Exclusive privileges and discounts at events, restaurants, merchants, and more.
Fraud protection services.
Emergency cash replacement.
Emergency card replacement.
Year-end financial statement.
Extended warranty on purchases.
Purchase protection.
No liability for authorized purchases.
Lost and stolen card reporting.
Travel accident insurance.
Lost luggage insurance.
Roadside assistance.
Various travel and emergency assistance services.
Auto rental insurance.
Personal concierge service.
See website for additional benefits.
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Important Notations

This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.