Get FOUR BONUS Rapid Rewards credits after first purchase2 â?¢ Receive 2 Rewards Dollars for each $1 you spend on Southwest purchases5 â?¢ Receive 1 Reward Dollar for each $1 you spend on all other purchases5 â?¢ Accumulate 1,200 Rewards Dollars and receive 1 Rapid Rewards credit5 â?¢ Earn one CREDIT for every $1,200 in purchases2 â?¢ Receive up to 5 credits on Balance Transfers (up to $6,000) made in the first 90 days your account is open.5 â?¢ Receive a FREE roundtrip Award with just 16 credits - and go anywhere free!1 â?¢ Zero Liability for unauthorized purchases6 â?¢ 24/7 CUSTOMER SERVICE Apply By Phone To apply by phone, call 1-800-483-9573 and mention card code 24BS. link: http://www.firstusa.com/cgi-bin/web...r_name=southwest_airlines&page=cont&mkid=6GZZ Ron.
Annual Percentage Rate (APR) for purchases (including balance transfers, excluding overdraft advances) 12.65%_variable1 Other APRs Cash Advance APR: 19.99%_variable Default rate: 24.99% _variable. See explanation below.2 Closed account rate: 24.99% _variable. See explanation below.3 Overdraft Advance APR: 13.99% fixed (not available in some states) Variable rate information The following APRs may vary monthly based on the Prime Rate:4 Purchase APR equals the Prime Rate plus 8.65%. Cash advance APR equals the Prime Rate plus 15.99%. Default rate and closed account rate equal the Prime Rate plus up to 20.99%.5 Grace period for repayment of purchase balances At least 20 days, but none for balance transfers, convenience checks, or overdraft advances, if applicable. Method of computing the balance for purchases Average daily balance method (including new purchases). Annual fee $39.00 for Classic cardmembers; $59.00 for Signature cardmembers. Minimum finance charge $1.00 Transaction fee for certain purchases Purchase of wire transfers, money orders, or similar cash-like transactions; lottery tickets, casino gambling chips, race track wagers, or similar betting transactions; foreign currency and travelers checks from other than a bank: 3% of the amount of each purchase, but not less than $10.00. Transaction fee for balance transfers/convenience checks 3% of the amount of each transaction, but not less than $5.00 nor more than $50.00. Transaction fees for cash advances ATM cash advances: 3% of the amount of the advance, but not less than $10.00. All other cash advances: 3% of the amount of the advance, but not less than $15.00. Other fees Late Payment fee: $15.00 on balances up to but not including $250, $35.00 on balances of $250 and over. However, if you already have made one or more late payments in the prior 12 month period, $35.00 regardless of the amount of your balance. Over-the-Credit-Limit fee: $35.00 for Classic; None for Signature 1You understand that the terms of your account, including the APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. We reserve the right to change the terms (including the APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. Any changes will be in accordance with your Cardmember Agreement. 2Your APRs may increase if you default under any Cardmember Agreement you have with us for any of the following reasons: we do not receive at least the minimum payment due by the date and time due as shown on your billing statement for any billing cycle in which a payment is owed, you fail to make payment to another creditor when due, you make a payment to us that is not honored by your bank. 3If, at any time after your Account is closed, we demand immediate payment of your outstanding balance and we do not receive payment within the time we specify, we may increase your APRs on all balances up to the closed account rate stated above. 4The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.00% prime rate on 2/10/2004 . 5We may consider the following factors to determine the default and closed account rate: the length of time your Account has been open, the existence, seriousness and timing of any defaults, and other indications of your Account usage and performance. Transactions in Foreign Currency: Visa and MasterCard convert transactions in foreign currencies to U.S. dollars at a wholesale or government mandated rate. They add 1% to the amount. We add an additional 2% to the amount Visa or MasterCard provides to us.
