| BASICS |
| APR (Interest Rate) | 14.99%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:
For the standard purchase rate and, effective January 1, 2010, the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
|
| 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 APR for default is 29.99%.
• Up to 29.99%* variable; effective January 1, 2010 between up to 19.99% variable for purchases; up to 28.99% variable for cash advances.
• If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate. Effective January 1, 2010, each time you fail to make a payment when due, we may, in accordance with applicable law, terminate the availability of any introductory/promotional APRs on new transactions, and increase your APRs for new transactions to variable Default Rates. |
| 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. |
