Specifics

• Introductory Rate: 0% APR for 12 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): 9.99% / 15.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 24.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (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 over $100 up to $250; $39 on balances over $250
• Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: 3%, $10 minimum

Reward Program Details

• Points per Dollar: 2 Points
• Additional Points: Earn 13 points per dollar spent on qualifying hotel stays (10 of the points are always earned as a TripRewards® member, and an additional 3 points are earned for using the TripRewards® MasterCard® Credit Card). TripRewards® members have the opportunity to earn additional points through various partners.
• Point Details: Hotels that qualify for additional points include AmeriHost Inn®, Days Inn®, Howard Johnson®, Knights Inn®, Ramada®, Super 8®, Travelodge® (U.S. only), and Wingate Inns®, locations throughout the U.S. and Canada. Points are redeemable for hotel stays, dining, shopping, and auto rentals.
• Expiration: 4 Years (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 will participate in TripRewards. Earn 2 points per $1 spent on purchases; earn 13 points per $1 spent on qualifying hotel stays. Participating hotels include Days Inn, Knights Inn, Howard Johnson, AmeriHost Inn, Ramada, Travelodge. Earn unlimited points; points expire in 4 years. Points are redeemable for hotel stays, shopping, dining, and auto rentals. Membership in TripRewards is free. 0% APR for 12 billing cycles for balance transfers and cash advances. 3% balance transfer fee, min. $10. 3% foreign transaction fee. Last Modified Date: 10/27/2008 12:00:00 AM

Additional Perks

See website for additional benefits.
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Important Notations

This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. TripRewards® membership is free. Visit www.triprewards.com for more information on their program. See website for complete terms and conditions of card usage and application disclosure.