It is good until August 2, 2001. I've only had the account since March. I plan to call in July and request an APR decrease and CL increase, and if I am successful I may use it. So far, I am satisfied with NextCard. BTW, I used my Providian check for $1000 at 16.9, socked the money in my interest-bearing checking account, and am transferring the $1000 to a 2.9% 9-month teaser rate with Citi Platinum Select. Will only pay one month Providian rate on the amount. I don't need the money for anything right now, but I anticipate goodies from Providian in the next month or two ;D.