| Rewards | Earn 5 points per $1 spent shopping online at Perks Points Mall, earn 3 points per $1 spent at More Points online store, and 1 point per $1 on everyday purchases | 
|---|---|
| Signup Bonus | No signup bonus | 
| Annual Fee | $0 | 
| Cardmember Agreement | View Here | 
| Cash Advance APR | 11.75% to 18.00% (subject to change), depending on creditworthiness | 
| Cash Advance Fee | $0 | 
| Late Payment Fee | Up to $35 | 
| Purchases APR | 11.75% to 18.00% (subject to change), depending on creditworthiness | 
 
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