¹ APR is valid for introductory period so long as you comply with the terms of your account. Also, we apply payments to introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms.

² You will earn 1 point for each $1 of eligible 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, 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 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. A service fee of up to $25.00 may be charged for the use of Reward Headquarters services for redemption of air travel.