| Rebate Percentages |
Earn 4% rebate on any Phillips 66 Conoco76 purchases Earn 1% rebate on all other purchases |
| Rebate Expiration |
6 months if inactive |
| Up to $500,000 Automatic Travel Accident Insurance |
| Introductory rate |
0% APR on balance transfers for 6 months |
| Annual Fee |
No annual fee |
| Purchase APR |
Prime Rate plus 7.99% or 14.99% |
| Balance Transfer APR |
Prime Rate plus 7.99% or 14.99% |
| Cash Advance APR |
Prime Rate plus 14.99% min is 19.99% |
| Penalty/Default Rate APR |
Prime Rate plus 23.99% |
| Min Finance Charge |
$0.50 |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no fee with the 0.00% APR balance transfer offer described above |
| Cash Advance fee |
3% min $5.00 |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$39.00 |