Specifics

• Introductory Rate: 0% APR for 6 Months
• Applied Towards: Purchases
• APR (Purchases): APR Varies* The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): APR Varies* 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: $49
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: $30 on balances up to $1,000; $35 on balances over $1,000
• Over-The-Limit Fee: $30
• Cash Advance Fee: 5%, $10 minimum
• Balance Transfer Fee: n/a

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

Created for those with a limited credit history or average credit. If used correctly with on-time payments, this card can help build a positive credit history. Acceptable interest rate, but still costly if you carry a balance. The annual fee is $49 and the application fee is $49 ($98 in fees the first year). Last Modified Date: 8/19/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits.
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Important Notations

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