You will earn 1 point for each $1 of net purchases. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. Maximum point accumulation on net purchases is 60,000 points Annually. ("Annually" means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve months thereafter.) See Rewards Program Rules and Regulations which will be mailed after your account is established.