| BASICS |
| APR (Interest Rate) | 9.99% - 15.99%* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 20 days |
| FEES |
| Late Fee | $15 if $0 - $100; $29 if between $100.01 - $250; $39 if $250.01 or over. |
| Over-the-limit Fee | $15 if $0 - $500; $29 if between $500.01 - $1000; $39 if $1000.01 or over. |
| Currency Conversion Fee | Transaction Fee for any transaction made in a foreign currency and any transaction made in U.S. Dollars that is processed outside the United States: 3% of the U.S. Dollar amount of each such transaction. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
The account you receive is determined based on your creditworthiness.
|
| Travel Rewards |
- 25,000 Points = Round-trip airline ticket within the 48 continental U.S. states
|
| Cash Rebate |
- Earn one point for every dollar in net retail purchases.
- No limit to number of points you can earn and an incredible variety of point redemption options.
- 5,000 Points = $25 cash
|
| Gas Rebate | N/A |
| Shopping Rewards |
- 12,000 Points = $100 Old Navy Gift Card
|
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
1.99% for
12
months. After the intro period, the rate will be
as low as
9.99% - 15.99%.
* Standard Balance Transfer Fee: 3% of each such transaction (minimum $10, maximum $75). |
| Cash Advance | The APR for cash advances is 24.99%.
• Standard Cash Advance Fees: Direct Deposits and Check Cash Advances: 3% of each such transaction (minimum $10, maximum $75).
• ATM Cash Advances, Bank Cash Advances, and Cash Equivalent transactions: 3% of each such transaction (minimum $10). |
| Default APR | The APR for default is 29.99%.
When your minimum payment is either late , or the account balance is over the credit limit, on any two occasions within 12 consecutive months, we may increase each of your account Standard APRs up to the Default APR. |
| Other Features | N/A |
| Card Description | • Introductory 1.99% APR for Balance Transfers*, Check Cash Advances, and Direct Deposits through your first 12 billing cycles.
• No annual fee.
• Access to the MyConciergeSM service - a unique personal assistant service.
• Absolute fraud protection.
• Earn one point for every dollar in net retail purchases. |
