1 point for every $1 spent on purchases. No limit to the number of points you can earn. Points expire on or after the 5th anniversary of when they were awarded. Redeem points for merchandise, gift cards, travel on any major airline, or cash back as a credit to the account.
APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; after that, your APR will be 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Returned Payment Fee: Up to $35.