Specifics

• Introductory Rate: 0% APR for 6 Months
• Applied Towards: Balance Transfers
• APR (Purchases): 6.50% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 6.50% 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: $35
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000
• Over-The-Limit Fee: $35
• Cash Advance Fee: None
• Balance Transfer Fee: None

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

Do not apply for this card unless have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you do have outstanding credit, this is very good card. Despite the annual fee, this card is a good choice if you transfer balances from cards with higher rates. The intro rate is 0% on balance transfers for six months. Charges the same rate for cash advances. 2% foreign transaction fee. However, aside from the very low interest rate for all transactions, cardholders should expect only average services or benefits offered by the card. Last Modified Date: 9/22/2008 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.