Rewards: Yes Type: Points - Generic

Initial Bonus None

Base Earn 1 point / $1

Max Earn 5 points / $1

Earn / Redeem Limit No

• Earn 5 ThankYou Points for every $1 you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
• Earn 1 ThankYou Point for every $1 you spend on all other purchases.
• Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
• Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit.
• Redeem points for gift cards, travel, electronics, music and more.

Purchases:

Intro Rate 0%

Intro Period 0 - 7 months

Regular Rate 17.24% - 21.24% (V)

Balance Transfers:

Intro Rate Not Offered

Intro Period N/A

Regular Rate 17.24% - 21.24% (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: Yes
• Foreign Transaction Fee: 3%