| BASICS |
| APR (Interest Rate) | 12.24%var |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 20 days |
| FEES |
| Account Setup Fee | $ 0 |
| Additional Card Fee | $ 0 |
| Other (one-time) Fees | $ 0 |
| Other Fees Annualized | $ 0 |
| Late Fee | $15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over. |
| Over-the-limit Fee | $ 0 |
| Currency Conversion Fee | 3% of each transaction in U.S. dollars. |
| CARD FEATURES |
| Customized Terms | N/A |
| Travel Rewards | • 10,000 Bonus Points after first purchase
• 2X on all airfare booked through Ultimate Rewards
• No earning caps, point expiration, or blackout dates
• 1 point for every dollar on all other purchases
• 24/7 Dedicated service advisor (No voice recording)
• Premier travel protection benefits
|
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | • Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
|
| Hotel Rewards | N/A |
| Balance Transfer |
Balances can be transferred at
12.24%.
Fee: Either $5.00 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance | The APR for cash advances is 19.24%.
Fee: Either $10.00 or 3% of the amount of each transaction, whichever is greater. |
| Default APR | The APR for default is 29.99%.
The Penalty APR will apply to your Account if you:
- fail to make any Minimum Payment by the date and time due (late payment);
- make a payment to us that is returned unpaid; or
- do any of the above or exceed your credit line on another account or loan you have with us or any of our related companies.
How Long Will the Penalty APR Apply: If an APR is increased for any of these reasons, the Penalty APR will apply indefinitely to future transactions. If we do not receive any Minimum Payment within 60 days of the date and time due, the Penalty APR will apply to all outstanding balances and future transactions on your Account; but if we receive six consecutive Minimum Payments when due, beginning immediately after the increase, the Penalty APR will stop being applied to transactions that occurred prior to or within 14 days after we provided you notice about the APR increase. |
| Other Features | N/A |
| Card Description | • 10,000 Bonus Points after first purchase
• 2X on all airfare booked through Ultimate Rewards
• No earning caps, point expiration, or blackout dates
• Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
• 1 point for every dollar on all other purchases
• 24/7 Dedicated service advisor (No voice recording)
• Premier travel protection benefits
• No Annual Fee
|
