Rewards: Yes Type: Points - Generic

Initial Bonus 6,000 points

Base Earn 1 point / $1

Max Earn 5 points / $1

Earn / Redeem Limit Yes

• 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
• 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
• 5 reward points for every $1 you spend on dining, books, movies and music.
• 1 reward point for every $1 you spend on other purchases.
• Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.

Purchases:

Intro Rate 0%

Intro Period 7 months

Regular Rate 14.24% (V)

Balance Transfers:

Intro Rate 0%

Intro Period 7 months

Regular Rate 14.24% (V)

Balance Transfer Fee 3%

Cash Advances:

Cash Advance Rate 25.24%

Cash Advance Fee 3% (min $5)

Penalties:

Max Late Fee $39

Max Overlimit Fee $39

Max Default APR 29.99%

Additional Info:

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