No limit to the number of points you can earn. Redeem points for merchandise, gift cards, travel on any major airline, other goods and services or cash back as a credit to the account.
APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; After that, your APR will be 15.99, 18.99, 20.99, or 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%; If your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Returned Payment Fee: Up to $35.