Earn 1 point for every $1 spent everywhere, every time. Redeem for airline tickets, hotel stays, car rentals, merchandise, cash back and more.
APR for Balance Transfer: 0% Introductory APR for the first 12 billing cycles after account opening; after that your APR will be a variable 12.99%, 17.99% or 22.99% based on your creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in US dollars. Late payment Fee: Up to $35. Penalty APR: 27.24%; if your APRs are increased for the stated reason, the Penalty APR will apply until you make 6 consecutive minimum payments when due.