| BASICS |
| APR | 14.99% - 21.99%var* |
| APR computation method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 20 days |
| FEES |
| Late Fee | $39 |
| Over-the-limit Fee | $39 |
| Currency Conversion Fee | 3% of the U.S. Dollar equivalent amount of each transaction made in a foreign currency. |
| FEATURES |
| Customized Terms | * This credit card offers customized terms. Details: If approved, your rate will be chosen following a review of your credit. |
| Travel Rewards | N/A |
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | N/A |
| Cash Advance | The APR for cash advances is 29.99%. Transaction Fee for Cash Advances: $5 for each cash advance of $100 or less from any Automated Teller Machine (ATM), or convenience check; for all other cash advances transactions, $15 or 4%, whichever is higher. |
| Default APR | The APR for default is 29.99%. All your APRs may automatically increase to your Default APR if you default under this Cardmember Agreement because you: 1) fail to make a payment to us when due or 2) exceed your credit limit. |
| Other Features | N/A |
| Card Description | • Your chance to win the American Dream. Receive 1,000 sweepstakes entries just for applying. • A new winner every month. • Earn entries from everyday shopping. • Large monthly cash jackpots. • No annual fee. |
