Choose your rewards to get the most value for you and your business. Earn three points per dollar on net purchases in one of three categories where you spend the most: Day-to-day expenses, such as shipping, advertising, utilities, office supplies, telecom and professional services. Automotive, such as gas, service, tires, tolls, dealerships, car washes and repairs. Travel and entertainment, such as airlines, auto rental, hotels, restaurants and travel agencies. One point per dollar on all other net purchases. Receive 10,000 bonus points when you spend $500 during the first 90 days after opening your account. Unlimited points with no cap.
APR for Purchases: 0.00% Promotional APR on qualifying Purchases for first 9 billing cycles. After that, and for all non-qualifying purchases, 11.99% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Late Payment Fee: $19 on balances up to $100; $29 on balances from $100 up to $250; $39 on balances of $250 or more. Returned Payment fee: Up to $35. Cash Equivalent Advance fee is either 4% of the amount of each advance or $20 minimum, whichever is greater. Convenience Check Cash Advance fee is either 3% of the amount of each advance or $5 minimum, whichever is greater. For credit lines $25,000 and higher, please contact Cardmember Service.