Specifics

• Introductory Rate: 0% Intro APR*
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases)**: 12.99% - 19.99%* (Variable) The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 25.24% 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 of $100 up to $250; $39 on balances of $250 and over
• Over-The-Limit Fee: $39
• Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Balance Transfer Fee: 4% of each balance transfer; $5 minimum

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. 6,000 bonus points after first $250 in purchases made within the first 3 months of account opening; 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
• Point Details: Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases.
• Expiration: Points expire 5 years from the end of the month in which they are earned, unless the Thank You Network is terminated before that time. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 75,000, not including bonus points.

Review

Rewards cardholders for staying within their credit limit and paying on time. Stay within your credit limit and pay on time, you will receive 100 bonus points per billing period plus a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to a 2% total reduction. Get 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points if you make $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month. Last Modified Date: 7/22/2010 12:00:00 AM

Additional Perks

See website for additional benefits.
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Important Notations

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

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.