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IBD note: You can exchange 5000 reward points (you get after the first purchase within 3 months) for a $50 gift card to Circuit City or other stores.


Terms from the credit card website:


Earn 5,000 bonus points when the first purchase, balance transfer or cash advance is posted to your account within the first 3 billing cycles after your account is opened. Please allow 6-8 weeks after you qualify for these bonus points to be added to your point balance. We may also award you one or more additional bonus points, at our sole discretion, in connection with certain transactions and/or promotions. Points are redeemed and expire on a "first-in/first-out" basis. Points will expire on or after the fifth anniversary of when they were awarded. There is no limit to the number of points that you can earn; provided, however, there may be a limit to the number of bonus points that you can earn in connection with certain transactions and/or promotions. We reserve the right, in our sole discretion, to determine which Qualifying Credit Card Transactions are eligible for bonus point treatment.