| Rewards | Earn 1 point per dollar on all purchases, with double points on Norwegian Cruise transactions. Start redeeming rewards at 2,500 points to receive stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays, or gift cards for over 100 top retailers. | 
|---|---|
| Signup Bonus | New cardholders get 10,000 bonus reward points if they make a transaction in the first 60 days. | 
| Annual Fee | None | 
| Cardmember Agreement | View Here | 
| Cash Advance APR | 15.99% to 24.99% APR, depending upon creditworthiness and type of advance | 
| Cash Advance Fee | Fee is either $10 or 3% of transaction for direct deposit and check cash advances. Fee is either $10 or 5% of transaction for bank cash advances. | 
| Late Payment Fee | Up to $38 | 
| Purchases APR | 12.99% to 22.99%, depending upon creditworthiness | 
 
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