No limit to the number of points you can earn. Points expire on or after the 5th anniversary of when they were awarded. Redeem for merchandise, gift cards, travel, even cash back in the form of a statement credit.
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. 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. Penalty APR: Up to 29.99%; if your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely.