Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases)**: Prime + 8.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): Prime + 15.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average daily balance method (including new purchases).
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days
• Minimum Credit Limit: n/a
• Maximum Credit Limit: N/A
• Late Payment Fee: $15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over.
• Over-The-Limit Fee: None
• Cash Advance Fee: 3% of the amount of the transaction, but not less than $10.00.
• Balance Transfer Fee: 3% of the amount of each transaction, but not less than $5.00.

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: 10,000 Points after first purchase. 2 points for every dollar spent on eligible flights purchased through the Ultimate Rewards Booking Tool.
• Point Details: Points have no caps, no limits, no expirations.
• Expiration: None (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 reward card with plenty of options. 10,000 bonus points after first purchase. Earn 1 point per $1 spent; 2 points per $1 spent on airfare booked through Ultimate Rewards. Earn unlimited points. Points do not expire. Book flights on most major airlines, no black-outs or restrictions. Cash-back rewards start at 5,000 points for $50. Redeem for gift cards starting at 2,500 points. Gift card for restaurants, retailers, movie theaters, theme parks, etc. Benefits include trip cancellation insurance, travel accident insurance, travel and emergency services, auto rental collision damage waiver. Last Modified Date: 11/4/2009 12:00:00 PM

Additional Perks

•10,000 Bonus Points after first purchase 2X on all airfare booked through Ultimate Rewards.
• No earning caps, point expiration, or blackout dates.
•Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall.
•1 point for every dollar on all other purchases.
• No Annual Fee.

Important Notations

This card is for applicants with Excellent Credit.

**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.