5 POINTS PER $1 SPENT on qualifying business expenses (up to $25,000 during each 12 billing cycle period). 2 POINTS PER $1 SPENT on qualifying gas and dining transactions (up to $25,000 during each 12 billing cycle period). 1 POINT PER $1 SPENT on other purchases. Redeem points for travel, gift cards, merchandise, even cash back in the form of a credit to your account. Points will expire on or after the third anniversary of when they were awarded.
APR Note: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. Rates reflected are in effect as of 1/20/2016, based on a Prime Rate of 3.25%. Returned Payment Fee: Up to $35.