| BASICS |
| APR | 10.99% - 18.99%var* |
| APR computation method | Average Daily Balance Including New Purchases |
| Intro APR | 0% until the last day of the billing period ending during November 2009. |
| Annual Fee | $ 0 |
| Credit Line | $ 50,000 |
| Minimum Income | min household income $15,000 |
| Grace Period | 25 days |
| FEES |
| Account Setup Fee | $ 0 |
| Additional Card Fee | N/A |
| Other (one-time) Fees | $ 0 |
| Other Fees Annualized | $ 0 |
| Late Fee | $19 on balances up to $250 and $39 on balances over $250. |
| Over-the-limit Fee | $15 on balances up to $500, and $39 on balances over $500. |
| Currency Conversion Fee | None for billing periods ending on or before May 1, 2009; 2% of the U.S. dollar amount of each purchase made in a foreign currency for billing periods ending after May 1, 2009. |
| FEATURES |
| Customized Terms | * This credit card offers customized terms. Details: Your Default Rates are determined based on factors such as your current purchase APR, your payment history with us and your general credit history. |
| Travel Rewards | N/A |
| Cash Rebate | - 5% Cashback Bonus® , in popular categories that change like travel, gas, groceries, restaurants, and many more.
- Up to 1% Cashback Bonus® on all other purchases automatically.
|
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | The intro APR for balance transfers is 0.00% for 12 months. After the intro period, the rate will be as low as 10.99% - 18.99%. * 0% until the last day of the billing period ending during May 2010. Balance Transfer Transaction Fee: 3% for each balance transfer made under this offer. |
| Cash Advance | The APR for cash advances is 23.99%. Cash Advance Transaction Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Default APR | The APR for default is 29.99%. • The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but such rate will never exceed 29.99%. • If you are late making a payment or your account is overlimit twice, we may increase your APRs to a Default Rate. |
| Other Features | N/A |
| Card Description | • 0% Intro APR* on purchases and balance transfers. • 5% Cashback Bonus® , in popular categories. • Up to 1% Cashback bonus on all other purchases. • No annual fee. |
