Redeem points for cash back (12,500 points = $25), gift cards from your favorite restaurants and retailers, travel expenses including airfare and hotel - with online booking, electronics, charity donations and more.
APR for Balance Transfers: 0.00% Introductory APR for the first 6 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening; after that, your APR will be 11.99% to 21.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Grace Period: 25 days; you will not be charged interest on Purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either $10 or 4% of the amount of each transaction, whichever is greater. Cash Advance Fee: Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fee: 3% of the amount of each foreign currency transaction after its conversion into U.S. Dollars. Penalty APR: 29.99%; if your APRs are increased, the Penalty APR will apply until you make six consecutive minimum payments when due.