| BASICS |
| APR (Interest Rate) | 11.99% - 19.99%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 0% until the last day of the billing period ending during April 2010. |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Account Setup Fee | $ 0 |
| Additional Card Fee | $0 |
| Other (one-time) Fees | $ 0 |
| Other Fees Annualized | $ 0 |
| Late Fee | $19 on balances up to $250 and $39 on balances over $250. |
| Over-the-limit Fee | $15 on balances up to $500, and $39 on balances over $500; ; effective February 1, 2010, we will not charge an overlimit fee. |
| Currency Conversion Fee | Foreign Currency Transaction Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
|
| Travel Rewards |
- Unrestricted Travel. Book travel through any airline, travel agent or online travel site
- Double Miles on up to $3,000 in travel and restaurant purchases each year.
- Double Miles through their exclusive online shopping site.
- 1 Mile for every $1 on all your other purchases - personal and business.
- Unlimited Miles.
- Redeem for travel credits to your account, gift cards from any of our 90
brand-name Partners or cash.
|
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
0.00% for
6
months. After the intro period, the rate will be
as low as
11.99% - 19.99%.
* Balance Transfer Transaction Fee: 3.0% for each balance transfer made with this application, thereafter, other offers may have a fee of up to 5%, with a $10 minimum and no maximum.
|
| Cash Advance | The APR for cash advances is 23.99%.
Cash Advance Transaction Fee: 3% for each cash advance, with a minimum of $5 and no maximum; effective January 1, 2010, 5% for each cash advance, with a minimum of $10 and no maximum.
|
| Default APR | The APR for default is 29.99%.
• The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but such rate will never exceed 29.99%.
• Effective January 1, 2010 the default APR for purchases may vary monthly and equals the Prime Rate + up to 13.74% or up to 20.74%; the default APR for cash advances may vary monthly and equals the Prime Rate + up to 25.74%.
• If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate. |
| Other Features | Instant Decision |
| Card Description | • Double Miles on your first $3,000 in travel and restaurant purchases each year.
• Unlimited Miles with no annual fee.
• Online Account Access
• 12,000 Bonus Miles. 1,000 Miles each month you make a purchase the first year
• $0 Fraud Liability guarantee and advanced fraud early warning alerts. |
