Redeem points for a variety of rewards including travel, merchandise, and gift cards. No Point Cap. Points expire 3 years from month earned.
APR for Balance Transfers: 0.00% introductory APR for the first 6 months; after that, your APR will be 15.24%. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Account Transfer Fee: $10. No Foreign Transaction Fee. No Penalty APR. Loss of Introductory APR: Card issuer may end your introductory APR if you make a late payment. Returned Payment Fee: Up to $20.