| BASICS |
| APR (Interest Rate) | 15.24%var |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 2.90% for 6 months. |
| Annual Fee | $ 45 |
| Grace Period | 25 days |
| FEES |
| Additional Card Fee | $0 |
| Late Fee | $19 on balances less than $250 and $39 on balances $250 or greater. |
| Over-the-limit Fee | $35 |
| CARD FEATURES |
| Customized Terms | N/A |
| Travel Rewards |
- Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines.
|
| 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 890 participating Starwood hotels and resorts in 95 countries.
- Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets.
|
| Balance Transfer |
The intro APR for balance transfers is
2.90% for
6
months. After the intro period, the rate will be
15.24%.
• APR: 2.9% during the first 6 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.
• There is no balance transfer transaction fee associated with this offer. |
| Cash Advance | The APR for cash advances is 25.24%.
• Cash Advance APR: 21.24% for billing cycles beginning before October 1,2009; 25.24% for billing periods beginning on or after October 1,2009.
• Fee for Cash Advances: 3% of each transaction with $5.00 minimum and no maximum. |
| Default APR | The APR for default is 27.24%.
• Your account is reviewed monthly and will be considered in default if minimum payments are not timely paid one time. |
| Other Features | Instant Decision |
| 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.
|
