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Terms:

$100 Bonus Cash Back
You will receive 10,000 bonus points with this bonus offer, which can be redeemed for a $100 check. To qualify and receive your bonus, you must make qualifying transactions totaling $500 or more during the first 3 months from account opening. Qualifying transactions include purchases, balance transfers, and any checks that are used to access your account, and exclude cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.

5% Quarterly Bonus
You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum. You will be eligible for quarterly bonuses as long as (i) your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations at the time accounts are selected for the promotional offers, and (ii) your statements are sent to a US address. Quarterly enrollment required.

1% Cash Back
You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.


Purchase Annual Percentage Rate (APR): 0% Intro APR for the first 6 billing cycles that your Account is open. After that, 11.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Balance Transfer APR: 0% Intro APR for the first 12 billing cycles following the opening of your account for balance transfers made within 30 days of account opening. After that, and for all other balance transfers, 11.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a


Balance Transfers Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.