Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): 9.99% / 15.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 24.99% 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 over $100 up to $250; $39 on balances over $250
• Over-The-Limit Fee: None
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: 3%, $10 minimum

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: Cardholders will earn double points on purchases at home improvement stores including Lowe’s®, The Home Depot®, and Best Buy® for the first twelve months.
• Point Details: Points are redeemable for travel, merchandise, gift certificates, and cash. Points are also redeemable for payments to the cardholder's mortgage provider.
• 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 with excellent credit who want to earn a variety of rewards, including payments toward their mortgage principal. Earn 1 point per $1 spent on qualifying purchases. For the first 12 months, earn double points at home improvement stores such as Lowe's, The Home Depot, and Best Buy. Earn unlimited points per year. For every 5,000 points, $50 will be applied towards the mortgage principal. Points may also be redeemed for travel rewards, merchandise and cash. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Personal concierge service.
See website for additional benefits.
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Important Notations

This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.