Credit Card Info Guide

• 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.

• 17,500 Bonus Miles after your first purchase¹
  
• Earn 1 mile for every $1 spent on purchases – up to an annual cap of 60,000 miles
  
• Free* Travel Certificates
  
  
  
  • Free One-way, 1,000 mile, One-class Upgrade Certificate
    
  • $25 United Discount Travel Certificate
  
  
• Signature Benefits
  
  
  
  • No Pre-Set Spending Limit²
    
  • Zero Liability on Unauthorized Purchases³
    
  • 24-hour Personal Concierge Service

• Double Rebates for two months
  
• 5% rebates on all participating BP location purchases
  
• 2% rebates on all eligible travel and dining purchases
  
• 1% rebates on all other eligible purchases
  
• No limit on rebates
  
• Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund

• 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

• 2 BA Miles for every dollar spent on British Airways purchases
  
• 1 BA Mile for every dollar spent on all other purchases
  
• $250 off Club World^SM advance purchase fares to London
  
• Complimentary Companion Ticket each full- fare FIRST, Club World^SM or World Traveller Plus ticket
  
• $20 off any British Airways ticket purchase made with card
  
• Redeem miles for flights

• 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

• 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

• 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
  

• Earn up to 5% cash back with unlimited rewards potential.


• With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.


• 0% APR*

on purchases and balance transfers for up to 12 months**

• Pay No Annual Fee


• Receive quarterly management reports


• Receive additional cards your employees can use

• No Upfront Payment Required – Receive your new Visa card in as little as 3 days


• Overdraft Safety Program – Qualify to receive up to a $1500 cash advance directly to your card!


• Rewards Program – Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads


• Integrated Bill Pay Service – Pay any bill online or over the phone, even if they don’t accept credit or debit cards.


• Convenient Loading Options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide.

• 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.

• 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.

• 17,500 Bonus Miles after your first purchase¹
  
• 2 miles for every $1 spent on United purchases - up to an annual cap of 150,000 miles²
  
• 1 mile for every $1 spent on all other purchases
  
• Free* Travel Certificates
  
  
  
  • Free One-way, 1,000 mile, One-class Upgrade Certificate
    
  • $25 United Discount Travel Certificate
  
  
• Visa® Platinum Business Card Benefits
  
  
  
  • Manage and track your business expenses online
    
  • 24-hour Travel and Emergency Assistance

• No More Check Cashing Locations


• Stop losing your Income ($$)


• Toll-Free Phone Suppor


• Online and Offline Access


• Take your card from Job-to-Job


• Direct Deposit from your Employer


• Low cost fees


• Store your Money Safely


• Easy to Purchase (POS)


• No Credit Check or Bank Account Required


• No Security Deposits


• No Employment Verification


• Keep your Money safe - No more need for Money Orders or walking around with cash in your Pocket


• Pay your bills over the phone


• Set up Automatic Bill Payments

• Earn 1 mile for every dollar in purchases¹
  
• Redeem your points for flights, hotel stays, car rentals, cruises and more!
  
• Choose from over 250 airlines without restrictions
  
• 0% Introductory APR* on purchases and balance transfers for up to 12 months**
  
• The time period for the introductory APR and the balances to which it will apply will be based on our review of your credit history**
  
• All this for a low yearly program fee of $29

• No CREDIT CHECK


• Approved REGARDLESS OF CREDIT HISTORY


• Credit Limits UP TO $10,000*


• Reports to ALL 3 BUREAUS


• Get CASH AT OVER 740,000 ATMs


• Emergency CASH TRANSFERS


• Auto RENTAL INSURANCE


• $100,000 TRAVEL ACCIDENT INSURANCE


• Extended WARRANTY PROTECTION


• Special HIGH INTRODUCTORY SAVINGS RATE

• 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

• APR (Purchases): Rate - Variable risk based rate is Prime + 6.99%
  
• APR (Balance Transfers): Rate - Variable risk based rate is P + 6.99%
  
• APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
  
• Finance Configuration: Average Daily Balance (including new purchases)*
  
• Annual Fee: $75
  

• Points per Dollar in net purchases: 1 Point
  
• Bonus Miles: 1,000 upon first use
  
• Miles Expiration: Up to 5 years (points expire on the last day of your Billing Cycle that closes in December of the fourth calendar year in which they were earned).
  
• Yearly Limit on miles you can earn: 75,000 points

• 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

• Miles per Dollar: 1 Mile


• Miles per Dollar spent on Asiana Airlines ticket purchases: 2 Miles


• Miles Compatible with Frequent Flyer Programs: Yes

• 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®
  

• Miles per Dollar: 1 HawaiianMile for every dollar


• Miles per Dollar spent for tickets purchased directly from Hawaiian Airlines: 2 HawaiianMiles for every dollar


• Earn additional miles at HawaiianMiles supercharged merchants

• Earn one free Companion Ticket Coupon the first year, after first purchase


• Receive a $99 Companion ticket Coupon annually, thereafter


• Receive 4,000 Welcome Miles when you join the Frecuenta Loyalty Program

• 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

• 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

• 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




• Online quarterly management reports help you track spending


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


• All authorized card users under your account earn points for you


• No Annual Fee


• Zero Liability on Unauthorized Purchases^π

• Earn up to 10% in rebates


• Earn up to 5% in rebates


• Rebates and Redemption



• There's no limit to the amount of rebates you can earn!


• Every time you accumulate at least $25 in rebates, you decide how and when to redeem your reward. Redeem for your choice of:
  



• A BP Gift Card
  


• A check made payable to you


• A donation to The Conservation Fund

• 0% Introductory APR on all purchases and balance transfers for up to 6 months*
  


• 1 point per eligible dollar spent in net purchases¹


• 
  No Annual Fee