MasterCard)

Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A.  No Annual Fee and the Flexibility to Pay Over Time Access to Special Cardmember Offers from American Express to Save on Shopping, Dining, Travel, Hotels, and Much More Free 24/7 Concierge Service Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates Benefit Rating:

Most Attractive:	Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee.
Special Offer:	0% for 12 months and is applied to Balance Transfers.