Points can be redeemed for merchandise, gift cards, cash back, travel, and more. A cash back redemption is applied to your account as a statement credit.
APR for Purchases and Balance Transfers: 0.00% Introductory APR for 6 monthly billing cycles; after that, your APR will be 10.24% to 20.24% (variable) based on your creditworthiness when you open your account. Balance Transfer Fee: Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater. Grace Period: Card issuer will not charge you any interest on Purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.50. Foreign Transaction Fee: 1% of each transaction in US dollars; 2% of each transaction in non-US dollars. Penalty APR: 27.24%; if your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.