|Rewards||Earn 1 point for every $1 spent|
|Signup Bonus||0% introductory APR for the first twelve billing cycles on all balance transfers and net purchases, no transfer fee at account opening|
|Cardmember Agreement||View Here|
|Cash Advance APR||22.24% (APR is subject to change)|
|Cash Advance Fee||Either $5 or 3% of each cash advance (whichever is greater)|
|Late Payment Fee||Up to $38|
|Purchases APR||10.24% to 20.24%, based on creditworthiness (APR is subject to change)|
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