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ߣ¹ÜÍøÕ¾ it® Miles credit card

Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies.Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by x then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable.  Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or x% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by x and up to x% fee for future balance transfers will apply.  Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Each Mile is equal to $0.01. Miles cannot be redeemed directly with a specific airline carrier. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants, gas stations, and EV charging stations. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, caterers, and restaurant delivery services. Restaurants located inside of or affiliated with another business, such as hotels or retail stores and establishments classified as a bakery, may not qualify. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. EV Charging Station purchases made at public electric vehicle charging stations are also included. Gas Stations and EV Charging Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Certain parking garages where public electric vehicle charging is offered or included may not be eligible.

    Even if a travel purchase on your statement appears to fit in a Travel Purchase category, the merchant may not have a merchant category code (MCC) in a Travel Purchase category. Merchants and payment processors are assigned an MCC based on their typical products and services. ߣ¹ÜÍøÕ¾ Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not be eligible for credit redemption if the technology does not provide sufficient transaction details or a qualifying MCC. See Terms and Conditions for more information.

    Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account.

  2. ߣ¹ÜÍøÕ¾ Match®: We’ll match all the Miles you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn Miles only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from ߣ¹ÜÍøÕ¾ checking or other deposit accounts. Your account must be open and in good standing to receive your ߣ¹ÜÍøÕ¾ Match®. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Acceptance: According to the Feb 2025 issue of the Nilson Report.

  4. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at see . Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the ߣ¹ÜÍøÕ¾ Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the ߣ¹ÜÍøÕ¾ Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than ߣ¹ÜÍøÕ¾ or another ߣ¹ÜÍøÕ¾ credit card enrolled in Shop with Points in conjunction with the rewards transaction.

  5. Use Rewards with PayPal: Paying with rewards using PayPal is not available at all merchants or for all purchases when checking out online or in app. Paying with rewards using PayPal may not be available when paying with the PayPal