1 point per $1 in net purchases. Redeem points for airline tickets, merchandise, travel and gift cards. There's no cap on Points you earn through the Rewards program. Your Points do not expire as long as your account remains open and the Rewards program has not ended. No travel blackout dates.
APR for Cash Advances: 16.00% to 18.00%, rate will depend on the state in which the credit card account is domiciled. For accounts domiciled in the Georgia office, the APR for Cash Advances is 16.00%. In all other states, the APR for Cash Advances is 18.00%. Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: Either $2 or 3% of U.S. dollar amount of each transaction, whichever is greater; none for credit card accounts domiciled in the bank’s New York office. Returned Payment Fee: Up to $20.