| BASICS |
| APR (Interest Rate) | 13.99% - 20.99%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 0% until the last day of the billing period ending during June 2010. |
| Annual Fee | $ 0 |
| Minimum Income | 0 |
| Grace Period | 25 days |
| FEES |
| Account Setup Fee | $ 0 |
| Other (one-time) Fees | $ 0 |
| Other Fees Annualized | $ 0 |
| Late Fee | $19 on balances up to $250 and $39 on balances over $250. |
| Over-the-limit Fee | $15 on balances up to $500, and $39 on balances over $500; effective February 1, 2010, we will not charge an overlimit fee. |
| Currency Conversion Fee | 2% of the U.S. dollar amount of each purchase made in a foreign currency |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 8.74% and 16.74%. The cash advance APR may vary monthly and equals the Prime Rate +20.74%.?
|
| Travel Rewards | N/A |
| Cash Rebate |
- 5% Cashback Bonus® all year long. Categories like travel, gas, groceries, restaurants, and many more.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Unlimited cash rewards that never expire.
- 5% to 20% Cashback Bonus through their exclusive online shopping site.
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
|
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | N/A |
| Cash Advance | The APR for cash advances is 23.99%.
CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum; effective January 1, 2010, 5% for each cash advance, with a minimum of $10 and no maximum. |
| Default APR | The default APR is 18.99% - 28.99%.
Between up to 18.99% variable and up to 25.99% variable for purchases; up to 28.99% variable for cash advances* |
| Other Features | Instant Decision |
| Card Description | • 0% APR on purchases for 6 months.
• Built your credit.
• No annual fee.
• 5% Cashback Bonus.
• Unlimited cash rewards.
• 0% fraud liability guarantee.
• Easy online account management tools.
• Select from unique card designs. |
