| BASICS |
| APR | 14.99%var |
| APR computation method | Average Daily Balance Including New Purchases |
| Intro APR | 2.90% for 6 months. |
| Annual Fee | $ 45 |
| Grace Period | 20 days |
| FEES |
| Late Fee | $19 on balances less than $400 and $38 on balances $400 or greater. |
| Over-the-limit Fee | $35 |
| FEATURES |
| Customized Terms | N/A |
| Travel Rewards | N/A |
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards |
- Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights at a Category 1 or 2 hotel
- Plus earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
- Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.
- Transfer Starpoints almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines.
- Earn one Starpoint for every dollar of eligible spending
- Earn double Starpoints on Starwood stays and purchases made at select Starwood retail outlets.
|
| Balance Transfer |
The intro APR for balance transfers is
2.90% for
6
months. After the intro period, the rate will be
14.99%.
There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
| Cash Advance | The APR for cash advances is 19.99%.
Fee for Cash Advances: 3% of each transaction with $5.00 minimum and no maximum. |
| Default APR | The APR for default is 17.99% - 26.99%.
|
| Other Features | N/A |
| Card Description | Earn 10,000 Starpoints® with your first purchase*
Transfer Starpoints.
Earn one Starpoint for every dollar of eligible spending.
First year no annual fee. |