| BASICS |
| APR | 16.99% |
| APR computation method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 20 days |
| FEES |
| Late Fee | Based on your balance as of the day the fee is assessed - $15 if $100 or less; $29 if between $100.01 and $250; $39 if $250.01 or over. |
| Over-the-limit Fee | Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if $1000.01 or over. |
| FEATURES |
| Customized Terms | N/A |
| Travel Rewards | N/A |
| Cash Rebate |
- Earn rewards points at a rate of 1.5% of net retail purchases which convert to cash when they are automatically contributed to your Fidelity managed 529 plan account.
|
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
0.00% for
12
months. After the intro period, the rate will be
16.99%.
Transaction fee for Balance Transfers, non-online Direct Deposits and Check Cash Advances: 3% of each such cash advance (minimum $10). |
| Cash Advance | The APR for cash advances is 24.99%.
0% Introductory APR applies to Direct Deposits that are not processed online and Check Cash Advances through your first 12 statement Closing Dates. When the Promotional Period ends, the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account either during the Promotional Period or before April 19, 2008 is 16.99%. Non-online Direct Deposits and Check Cash Advances posted to your account on or after April 19, 2008 and after the end of Promotional Period will be subject to the Standard APR for Direct Deposits and Check Cash Advances of 24.99%. |
| Default APR | The APR for default is 29.99%.
|
| Other Features | Instant Decision |
| Card Description | Earn rewards points at a rate of 1.5% of net retail purchases.
Introductory 0% APR for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.
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With American Express SelectsSM, enjoy special online offers from merchants around the world, save on airfare, electronics and more. |