*0% APR for 6 months from the date the Account is opened applies to new Purchases made using your Card. Payments will be applied in accordance with your Agreement to lower APR balances (including promotional balances) before higher APR or non-promotional balances. If you have existing balances or incur additional balances at higher APRs, you will not receive the full benefit of this promotion. This offer will be terminated and the Default Rate may apply if you fail to make a minimum payment when due, you exceed your credit limit or cash advance limit or you make a payment to us that is not honored by your bank. After the promotion expires, the Purchase Standard Rate will be applied to all new and existing purchase balances. This reduced APR offer does not apply to Balance Transfers and Cash Advances.  Minimum Monthly Payments are required. Click on Apply Now for rates.

**Rewards apply only to net card Purchases on the Card. Cardmembers will earn 1 point for each $1.00 of net Purchases on the Cardmember’s Account. In addition, Cardmembers will accumulate an additional bonus point for (i) each $1.00 of net Universal Purchases (qualifying purchases made at Universal owned and operated locations in the United States) on the Cardmember’s Account; and (ii) the first $400 of net Gas and Grocery Purchases (qualifying purchases made at stand-alone grocery stores and gas stations in the United States) on the Cardmember’s Account per Year. Balance Transfers, Cash Advances, and Finance Charges are not eligible for Reward Points. A minimum of 2,500 points is needed in order to redeem.  Points expire 60 months after applied to your account or if you fail to make a Purchase in any 12-month period. Account must remain open, in good standing and not become delinquent. Rewards and point levels required to redeem Rewards are subject to change. Click on Apply Now to see the Rewards Program terms for more details.

^†Discounts may be applied to qualifying purchases made at select Universal Studios Theme Parks^SM in the United States. A qualifying purchase may include: online theme park tickets sales, various items purchased at select Universal Studios^® theme park & CityWalk locations. Discounts will be applied at the time of purchase. Merchants reserve the right to not offer the discount. The classification of a qualifying purchase is subject to change without notice. See Cardmember website for more details.