Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.

 Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.

Late Fee: $35 Over-Limit Fee: $35 NSF Fee: $35 Pay-By-Phone: $10,Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10. 
 

*The Annual  Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 75% of the nation's largest banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Finance Charges on the Account. As of April 23, 2010, the Index was 3.25%. The Account will never have an APR over 21%.

**If you allow your account to become 60 days past due, we may increase your APR on all balances to a higher rate equal the Index plus a margin of 15.99%, up to a maximum of 21%. However, if your APR is increased, your Account may become eligible for a lower APR if you make timely payments for three consecutive months.

Accurate as of May 1, 2010