APR: standard APR:7.9% for platinum plus accounts, or 13.99% for preferred accounts. the account you receive is determined based on your creditworthiness.
rewards: earn one point for every dollar in net retail purchases. redemption levels start as low as 2,500 points. 5,000 points = $25 cash
free hello kitty phone pocket, after qualifying use(s) of your new account
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