*Annual percentage rate. Subject to normal credit approval. Finance charges are assessed on cash advances from the date they are posted at 0% for the first six months and at the NY Prime Rate plus 5% thereafter. The information about the costs of the card described is accurate as of 01/13. This information may have been changed after that date. Variable rate is subject to change quarterly and is determined by adding 5% to the NY Prime Rate as published in the Wall Street Journal. Method of computing is based on average daily balance for both purchases and cash advances. Up to $15 charged for late payment. No over limit fee. See application for details. **$8.00 Points2U Debit Card annual fee waived first year.