| BASICS |
| APR | 14.65%var |
| APR computation method | Average Daily Balance Including New Purchases |
| Intro APR | 0% APR on purchases until October 2008. |
| Annual Fee | $ 29 |
| Credit Line | $3,000 |
| Grace Period | 25 days |
| FEES |
| Late Fee | Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balances of $250 or more = $39 fee. |
| Over-the-limit Fee | $39 |
| FEATURES |
| Customized Terms | N/A |
| Travel Rewards | N/A |
| Cash Rebate |
- 1% cash back on all purchases you make from day one
- No limit on the cash rewards you can earn and no minimum to redeem for cash
- No expiration of your cash rewards for the life of your account
- A 25% annual bonus on the cash rewards you've earned during the year
|
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
Balances can be transferred at
14.65%.
No balance transfer fee. |
| Cash Advance | The APR for cash advances is 20.65%.
Cash advance fee: 3% of amount of the cash advance, but not less than $10. |
| Default APR | The APR for default is 24.90%.
|
| Other Features | N/A |
| Card Description | 1% cash back on all purchases you make from day one.
|