Credit Card Info Guide

• 0% Intro APR* for Purchases and Balance Transfers for 12 months
  
• Full 5% Cashback Bonus® on Get More Program purchases throughout the year when you shop at places like bookstores, home improvement stores, gasoline stations, restaurants and more*
  
• Up to 1% Cashback Bonus on all other purchases*
  
• $0 Fraud Liability
  
• No Annual Fee
  
• DOUBLE your Cashback Bonus® (turn $20 into $40) when you redeem for gift cards or certificates from many of our 60 brand name partners.

• Use it as a reloadable Starbucks Card AND a Visa credit card.
  
• Earn Starbucks "Duetto™ Dollars" with every Visa purchase.
  
• Get $10 Duetto™ Dollars in your Starbucks Card Account when you make your first Visa purchase.
  
• Qualify for additional Starbucks rewards and benefits when you use your Starbucks Card Account.
  
• $5 donation to The Starbucks Foundation with your first Visa purchase.
  
• Enjoy a 0% intro APR* for up to 6 billing cycles, no annual fee and a wide range of Visa benefits.

• 2 points for every dollar on VW purchases
  
• 1 point for every dollar spent on all other purchases
  
• Redeem points for VW cars, gear, service, and other rewards

• 3 points for every dollar spent at Borders®, Borders Express, Borders.com, Waldenbooks® and Waldenbooks.com
  
• 2 points for every dollar spent on eligible Gas, Dining and Grocery purchases.
  
• 1 point for every dollar spent anywhere else.
  
• No cap on points earned.
  
• Redeem points for Cash or Rewards.

The Sony Card combines a generous rewards program with all the features you deserve in a credit card, such as:

• Intro 0% Fixed APR for up to 12 months*


• No Annual Fee


• Full platinum Visa® benefits


• Get 1,500 bonus points after first use**


• Earn 1 Sony Reward Point per dollar spent


• Earn 3 Sony Reward Points per dollar spent on Sony products


• Earn 8 Sony Reward Points per dollar spent at MySony
  (register at sony.com/mysony today!)


• There are even more bonus point opportunities online

• 0% Intro APR for up to 12 months* on purchases and balance transfers
  
• The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history.
  
• No Annual Fee
  
• Flexible Rewards Program: Earn one point per dollar spent². Redeem for your choice of Cash Back, Merchandise, Travel or Gift Cards.
  
• FREE Online Account Access
  
• FREE travel services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance

Amazing Rewards¹ You Want

• Double points on select Universal Studios Theme Park purchases!
  
• 1 point for every dollar spent
  
• Receive opening Weekend Tickets to Universal Movies
  
• Discounts on Universal Studios Theme Park tickets and merchandise
  
• Rewards start at 900 points.

• Earn 1 point for every dollar in purchases - Choose from a variety of great brand name products.
  
• 1,000 Bonus Points with your first purchase
  
• Intro 0% Fixed APR for up to 12 months* on all purchases and balance transfers
  
• The time period for the introductory APR and the balance transfers to which it will apply will be based on our review of your application and credit history
  
• No Annual Fee
  
• Get your rewards with as few as 2,500 points
  
• Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned

STREAMLINE YOUR WALLET. Earn rewards at any gas station to maximize your rebates!
Choose the Chase PerfectCard™ MasterCard® and get:

• 6% rebates on ALL gas purchases at ANY gas station for the first 90 days¹
  
• 3% rebates on ALL gas purchases at ANY gas station after the first 90 days²
  
• 1% rebates on ALL other purchases made anywhere³
  
• 0% Intro APR*
  
• The time period for the introductory APR and the balance transfers to which it will apply will be based on our review of your application and credit history
  
• No annual fee

• APR (Purchases): Intro Rate - 0% for first six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%


• APR (Balance Transfers): Intro Rate - 0% for first six billing
  cycles. Goto rate is a variable risk based rate between Prime + 3.99%
  and P + 12.99%


• Balance Transfer Fee: None when Balance Transfer is requested at time of application; thereafter, 3% of each advance (min. $10)


• Annual Fee: None


• Additional Cardholders: No Fee


• Grace Period: 20 Days (Min.)


• Late Payment Fee: Based on Account balance on the fee assessment date - $15 for balances less than or equal to $100, $29 for balances $100.01 to $250, $39 for balances greater than $250.


• Over Credit Limit Fee: Based on the highest Account balance during the Billing Cycle - $15 for balances less than or equal to $500, $29 for balances $500.01 to $1000, $39 for balances greater than $1000.


• APR for Cash Advances: P + 15.99% Variable


• Cash Advance Fee: 3%, $10 minimum

• Pay Over Time or In Full


• No annual fee


• 0% Intro APR for Purchases


• Option to Enroll in Fee-Free Rewards Program

• Get up to 20,000 HHonors^® bonus points when you get the Card.


• Earn 10,000 bonus points with your very first purchase*


• Earn an additional 10,000 Hilton HHonors bonus points - that's 2,500 Hilton HHonors bonus points for each of your first four stays at any Hilton Family Hotel


• Get 5 Hilton HHonors® bonus points for each eligible dollar spent on stays at over 2,700 Hilton Family hotels worldwide and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments, the U.S. Postal Service, and for wireless phone bills


• Get 3 HHonors bonus points for every eligible dollar you spend on purchases


• No annual fee

• Fee-Free Rewards Program
  
• 0% APR for up to 15 months
  
• No Annual Fee
  
• Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
  
• Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.

• 4% rebate on every purchase at any Toys "R" Us or Babies "R" Us® store
  
• 1% rebate on any purchase at www.toysrus.com or www.babiesrus.com
  
• 1% rebate on any purchase
  
• Every $10 dollars in rewards equals $10 Toys "R" Us gift card
  
• No cap on rewards
  

• Double points on select Universal Studios Theme Park purchases;
  
• Double points on select Universal Studios Theme Park purchases;
  
• Discounts on Universal Studios Theme Park tickets and merchandise;
  
• Rewards start at 900 points

• Up to 5% Cash Back with Unlimited Cash Rewards
  
• Earn unlimited cash back
  
• 0% Intro APR for 6 months
  
• Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
  
• No Annual Fee

• 0% INTRO APR for up to 12 months*
  
• Zircon iLine Laser Level
  Yours FREE after your first purchase, a $39.95 value!¹
  
• Earn up to 3 points on purchases²
  Put your home improvement purchases to work for you by earning 3 points for each eligible $1 spent on home improvement. That's a full 3% Cash Back! Plus, 1 point on all other purchases and interest.²
  
• Redeem your points easily
  Redeem 2,500 points for either a $25 Gift Card or Gift Certificate, or a $25 check.
  
• Participate in sweepstakes
  Take advantage of sweepstakes opportunities that will get you closer to your dream home!³
  
• Exclusive tips from the experts
  Work like the pros with hints and tips in every statement, as well as an exclusive e-newsletter from the editors of The Family Handyman magazine.

• $25 Bonus Overstock.com Reward certificate after your first purchase!³


• More great savings. Earn 3 Rewards Points on purchases made at Overstock.com with your Overstock.com Rewards Visa card.


• Savings everywhere you shop. Earn 1 Rewards Point¹ on all other purchases. That means you earn 1 point for every $1 spent at places such as grocery stores, gas stations, restaurants and more.


• $25 Overstock.com Reward Certificate. For every 2,500 Rewards Points, you'll automatically receive a $25 Overstock.com Reward Certificate.

• Save on any airline, hotel, or rental car


• No blackout dates, no travel restrictions


• No annual fee and a 0.00% intro APR


• World class American Express® benefits

• Up to 5% cash rebate
  
• No annual fee
  
• 0% APR during your first 6 months

• 5000 bonus points with first purchase


• Redeem for savings on any flight, hotel, car rental or cruise


• No blackout dates and no restrictions


• No annual fee and a 0% Intro APR

• Earn one INSIDE^SM Rewards point for every eligible dollar you spend, whether you’re in Chicago or not
  
• Earn double INSIDE^SM Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and satellite TV service, gym memberships, and newspaper and magazine subscriptions
  
• Redeem points for rewards to eat, drink, and play in Chicago, New York, and Los Angeles

• Earn one INSIDE^SM Rewards point for every eligible dollar you spend, whether you're in Los Angeles or not
  
• Earn double INSIDE^SM Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions
  
• Redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York

• 0% Introductory APR for 6 months on purchases and balance transfers
  
• No annual fee
  
• Option to carry a balance
  
• One INSIDE Rewards point for every dollar spent
  
• Plus INSIDE Double points on City Essentials
  

• 3% Cash Back** for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores


• 1% Cash Back on all other purchases


• 0% APR for up to 12 Months* on purchases and balance transfers


• No Annual Fee


• FREE additional cards for your employees, FREE quarterly reports, and other online account management tools to help you keep track of your business expenses

• Earn 1 point for every dollar spent¹
  Earn travel fast! All your purchases earn you points.
  
• Earn airline tickets, hotel stays, or car rentals
  
• 0% introductory APR* for up to 12 months on all purchases and balance transfers. Save even more with low rates.
  
• The time period for the introductory APR and the balance transfers to which it will apply will be based in our review of your application and credit history.
  
• No Annual Fee

• Save with 0% APR for up to 12 months on purchases and balance transfers*


• Free Online Reporting - Quarterly reports enable you to monitor your business spending.
  
• No Annual Fee


• Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and up to $1,000,000 Travel Accident Insurance.


• Visa Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.

• 9.50% APR
  
• Low Rate
  
• No Annual Fee
  
• 0% Balance Transfers
  

• 7.99% APR
  
• 0.0% Introductory APR on all balance transfers
  
• Fixed low rate.
  
• Best Credit Card Rate in the Country
  
• No Fee balance transfers

• Percentage of every purchase you make with the card is donated to the Anne Geddes Philanthropic Trust working for the prevention of child abuse and neglect - at no extra cost to you.


• Automatically enrolled in the Anne Geddes Rewards program, where you can earn Anne Geddes merchandise or donate your rewards points to the Geddes Philanthropic Trust.


• 2,000 Anne Geddes Rewards points after your first purchase


• 1,000 points every anniversary

• Customers receive an annual rebate of 10% of their purchase and balance transfer finance charges
  
• Rebates of $2.01 or more are mailed via check.
  
• Rebates of $2.00 or less are credited to the customer's credit card account.
  
• Refunds disbursed in January for the preceeding year.

• 8,000 Points awarded after 1st purchase¹
  
• 1.9% fixed introductory annual percentage rates (APR) on purchases and balance transfers (not cash advances) for the first 6 months
  
• Earn 15 points for every dollar spent at Choice Privileges locations throughout the US, Canada & Mexico, including Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion® and MainStay Suites®
  

• Customers earn 1 point for every $100 spent in net purchases up to $600 a year
  
• Customer earns 5 bonus points with the first purchase
  
• Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts
  
• Points don't expire for up to 5 years
  
• Accounts must be in good standing in order to receive cash back

• The Make-A-Wish Foundation will receive .65% of all net purchases and a minimum of $2 per open and activated account


• No Annual Fee


• The most rewarding card you'll ever use

• Put your pet's picture on your card or choose from one of three adorable designs. Your first photo is free and can be placed on any eligible Bank of America credit card account

• 0% Intro APR* on Purchases for 12 months


• 5% Cashback Bonus® on office supplies *


• 2% Cashback Bonus on gas*


• Up to 1% Cashback Bonus on all other purchases*


• No Annual Fee


• Employee cards with customizable limits and monthly reporting on their spend

• Earn 1,500 Bonus Points² after your first purchase with your Amazon.com Visa<® Card


• Free rewards that come quickly, easily, and automatically¹
  
  
  
  • Earn 3 reward points for every dollar spent at Amazon.com
  
  
  • Earn 1 reward point for every dollar spent on purchases elsewhere
  
  
  • For every 2,500 reward points, you'll receive a $25 Amazon.com Reward Certificate
  
  
  
  


• 0% intro APR for 6 months on purchases and balance transfers, variable rate thereafter*


• Recognized everywhere Visa is accepted


• No Annual Fee


• Zero Liability on Unauthorized Purchases^π