Specifics

• Introductory Rate: 0% APR for 12 Months
• Applied Towards: Purchases
• APR (Purchases): As low as Prime + 2.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/a 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
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $50,000
• Late Payment Fee: n/a
• Over-The-Limit Fee: $35
• Cash Advance Fee: n/a
• Balance Transfer Fee: There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

Reward Program Details

• Points per Dollar: 1 Point
• Additional Points: None
• Point Details: Points are redeemable for merchandise, entertainment, and travel related benefits.
• 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 who want to manage all business related expenses on one card and plan to carry a balance. 4.99% fixed rate for the life of the loan for balance transfers. Free access to the Membership Reward Options program. Earn unlimited points each year and there is no expiration. Benefits include various purchase security features, travel accident insurance (up to $100,000), and special discounts at participating merchants, such as Delta, Jet Blue, and Hertz. This card will benefit those who qualify for the lowest rate offered, carry a monthly balance and will be able to take advantage of the discounts and rewards. Last Modified Date: 10/28/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Purchase protection.
Extended warranty for purchases.
Up to $100,000 in travel accident insurance.
Lost luggage insurance.
Auto rental insurance.
Emergency card replacement.
Access to OPEN: The Small Business Network services.
Option to enroll in the fee-free Membership Rewards Express® program.
Discounts at FedEx®, Hertz®, AT&T, and other participating merchants.
See website for additional benefits.
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Important Notations

Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.