| Elite Rewards® World MasterCard® |
| Reward Benefits |
| Bonus Points |
500 bonus points after first purchase |
| Point Accumulation |
1 Point for every dollar you spend on purchases |
| Point Expiration |
4 years |
| Caps on Points |
Earn up to 7,500 points in a month |
| Cost/Fees/Interest rates |
| Annual Fee |
No annual fee |
| Purchase APR |
7.9% for World MasterCard®, 9.99% for Platinum Plus®, or 15.99% for Preferred accounts. |
| Balance Transfer APR |
0% Introductory APR for Balance Transfers and Cash Advance Checks through your first twelve statement Closing Dates, or earlier if your payment is late; after that 9.99% for World MasterCard®, 7.9% for Platinum Plus®, or 15.99% for Preferred accounts. |
| Cash Advance APR |
0% Introductory APR for Cash Advance Checks through your first twelve statement Closing Dates, thereafter goto rate is 19.99% |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
3%, min $10.00 |
| Advance checks fee |
3%, min $10.00 |
| ATM Cash Advance fee |
3% min $10.00 |
| Other Cash Advance fee |
3% min $10.00 |
| Foreign Currency Conversion fee |
Transaction fee for any transaction made in a foreign currency: 3% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee. |
| Over-the-credit-limit fee |
For World MasterCard® accounts only: None
For Platinum Plus® and Preferred accounts: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000. |
| Late Payment fee |
Based on your balance as of the day the fee is assessed- $15 if $100 or less; $29 if between $100.01 and $250; $39 if over $250. |
