Earn 1 point for each $1.00 in qualifying credit card transactions. Redeem points for merchandise, gift cards/certificates, travel, other goods and services and cash back as a credit to the account.
APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 9.99%, 12.99% or 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Grace Period for Purchases: Your due date is at least 20 days after the close of each billing period. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date. Balance Transfer Fees: Introductory fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars.