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Terms:

$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months

Bonus points are awarded one time for new enrollments. If you are already enrolled in Paperless Statements, you will not receive bonus points. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account. Once these points post to your account, you may redeem them for a $100 gift card or other great rewards by visiting thankyou.com or calling 1-800-THANKYOU (1-800-842-6596).

Earn 5 ThankYou Points for every $1 spent at restaurants and on books, movies and music. Earn 1 point for every $1 you spend on all other purchases.

Unless you are participating in a limited-time offer, you will earn five ThankYou Points for every dollar you spend on purchases at (1) book stores, (2) record stores, (3) restaurants, including fast food restaurants, (4) motion picture theaters, and (5) video entertainment rental stores ("qualifying merchants"). You will earn one ThankYou Point for every dollar you spend on all other purchases. Book stores are defined as stand-alone merchants that primarily sell, for consumer use, books (including textbooks), magazines, maps, and calendars. Record stores are defined as stand-alone merchants that primarily sell, for consumer use, records, compact discs (CDs), music and video laser discs, and blank audio and videotapes. Restaurants, including fast food restaurants, are defined as stand-alone merchants that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for carryout. Motion picture theaters are defined as stand-alone merchants that operate movie theaters, and sell tickets as well as refreshments. Video entertainment rental stores are defined as stand-alone merchants that primarily rent videotapes, laser discs, DVDs, and video games for consumer use at home.

Lower your APR for purchase by up to 2% when you make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row (we will reduce it 0.25% every quarter, a maximum of 8 times)

Earn up to 1,200 bonus points for paying on time and staying under your credit limit

Annual Percentage Rate (APR) for Purchases: 0% introductory APR for 7 months from date of account opening. After that, your APR will be 12.99%, 20.99%, or 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Annual Percentage Rate for Balance Transfers: 0% introductory APR for 12 months. After that, your APR will be 12.99%, 20.99%, or 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.