Specifics

• Introductory Rate: 0% Intro APR*
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): 10.99% 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: n/a
• Maximum Credit Limit: n/a
• 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: 3% for each balance transfer made under this offer, with a minimum of $10 and a maximum of $75

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: None (Account inactivity for more than 18 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 those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance. Last Modified Date: 10/1/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance.
Fraud and security protection services.
See website for additional benefits.
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Important Notations

*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.