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Terms:
# Earn 1 point for every dollar spent
# Redeem your earnings for flights and stays at participating hotels, gift cards from popular merchants, unlimited cash back and much more
# No earnings caps
# 0% Introductory APR on purchases and balance transfers for 12 months*
# No annual fee
*Rates are accurate as of 12/15/09. The Introductory APR for 12 months does not apply to cash advances. After the Introductory Period, the variable Customary APR will apply. The variable Customary APR is between 12.99% and 19.99%, depending on your creditworthiness. A 3% ($10 minimum) cash advance fee will apply to all cash advances, unless otherwise disclosed. A Cash Advance Fee of 3% ($5 minimum) will apply to all balance transfers, unless otherwise disclosed. Your APRs may increase to the Default APR if you default because you A) fail to make a payment when due or
exceed your credit limit. Effective February 17, 2010, the Default APR will be called Penalty APR and your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Default APR is between 27.24% and 31.99%. The variable Cash APR for cash advances and overdrafts is between 19.24% and 21.99%. The Minimum Finance Charge is $1. The Overdraft Fee, if applicable, is 3% of the overdraft amount, or $5, whichever is greater. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances.
