Earn 1, 2 or 3 points per $1 in net purchases. Redeem points for awards such as airline tickets, travel, merchandise and gift cards. There's no cap on Points and your Points do not expire as long as your account remains open and the Rewards Program has not ended. No travel blackout dates.
Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater. Late Payment Fee: Up to $15. 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.