Rewards: Yes Type: Points - Generic

Initial Bonus 10,000 points

Base Earn 1 point / $1

Max Earn 2 points / $1

Earn / Redeem Limit No

• 10,000 Bonus Points after first purchase.
• 2X on all airfare booked through Ultimate Rewards.
• 1 point for every dollar on all other purchases.
• No earning caps, point expiration, or blackout dates.
• 24/7 Dedicated service advisor (No voice recording).

Purchases:

Intro Rate Not Offered

Intro Period N/A

Regular Rate 12.24%

Balance Transfers:

Intro Rate Not Offered

Intro Period N/A

Regular Rate 12.24%

Balance Transfer Fee 3%

Cash Advances:

Cash Advance Rate 19.24%

Cash Advance Fee 3% (min $10)

Penalties:

Max Late Fee $39

Max Overlimit Fee None

Max Default APR 29.99%

Additional Info:

• Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall.

• Grace Period: 20 days
• Online Response: No
• Foreign Transaction Fee: 3%