Alaska Airlines Visa® Signature Credit Card Application
DETAILS OF RATE, FEE, FEE, AND OTHER COST INFORMATION As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.
†Annual Percentage Rate (APR) for Purchases Standard Variable APR : 15.24%for Visa Signature ® and Platinum Plus ® accounts, or 18.24% for Preferred accounts. The account you receive is determined based on your creditworthiness. See explanation 1 below for Default APR and 2 for Variable Rate information.
Other APRs Balance Transfers : The Standard Variable APR for Balance Transfers is 15.24% for Visa Signature and Platinum Plus accounts, or 18.24% for Preferred accounts. See 1 and 2 below for explanation. Cash Advances : The Standard Variable APR for Direct Deposits that are not processed online (non-online Direct Deposits) and Check Cash Advances posted to your account before August 11, 2007 is 15.24% for Visa Signature and Platinum Plus accounts, or 18.24% for Preferred accounts. Non-online Direct Deposits and Check Cash Advances posted to your account on or after August 11, 2007 will be subject to the Standard Variable APR for Direct Deposits and Check Cash Advances of 24.24% for all accounts. See 1 and 2 below for explanation. The Standard Variable APR for Bank and ATM Cash Advances and for online Direct Deposits is 24.24% for all accounts. See 1 and 2 below for explanation. Cash Equivalents posted to your account on or after August 11, 2007, will be Cash Advances subject to the Standard Variable APR for Bank and ATM Cash Advances. Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of August 11, 2007, will include fines and bail bonds. Default APR (for Visa Signature accounts only): Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late. This is not a variable rate. See 1 below for explanation. Default APR (for Platinum Plus and Preferred accounts only): Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit. This is not a variable rate. See 1 below for explanation.
Variable-Rate Information Your APRs may vary. For each billing cycle, we determine each APR by adding a margin to the prevailing U.S. Prime Rate. The margin for the Standard APR for Purchases and Balance Transfers is 6.99% for Visa Signature and Platinum Plus accounts or 9.99% for Preferred accounts; the margin for the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account before August 11, 2007 is 6.99% for Visa Signature and Platinum Plus accounts, or 9.99% for Preferred accounts and the margin for the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account on or after August 11, 2007 is 15.99%; the margin for the Standard APR for Bank, ATM, and any other Cash Advances is 15.99%. See 2 below for explanation.
Grace period for repayment of balance for Purchases At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See ■ below for explanation.
Annual fee For Visa Signature and Platinum Plus accounts:$75. For Preferred accounts: $45.
Method of computing the balance for Purchases Average Daily Balance (including new transactions).
Transaction fee for Purchases Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before August 11, 2007: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after August 11, 2007 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted below.
Foreign Transactions Transaction fee for any transaction made in a foreign currency: 3% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.
Transaction fee for Balance Transfers and Check Cash Advances: None of each such cash advance (minimum $0). Transaction fee for Bank and ATM Cash Advances and online Direct Deposits: 3% of each such cash advance (minimum $10). Transaction fee for Overdraft Protection Bank Cash Advances (if enrolled): 3% of each such cash advance (minimum $10). Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10). Late-payment fee: Based on your balance as of the day the fee is assessed- $15 if $100 or less; $29 if between $100.01 and $250; $39 if over $250. Over the credit limit fee: For Visa Signature accounts only: None.For Platinum Plus and Preferred accounts: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000. 1 For Visa Signature accounts only : Each time your minimum payment is late (i.e. not received by 5 p.m., ET, on its Payment Due Date), we may increase each of your accounts Variable APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances with Variable APRs then below the Default APR. If a Default APR is applied to your account, then all APRs, including APRs then at or above the Default APR, will no longer vary. For Platinum Plus and Preferred accounts : Each time your minimum payment is late, or the account balance is over the credit limit, we may increase each of your accounts Variable APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances with Variable APRs then below the Default APR. If a Default APR is applied to your account, then all APRs, including APRs then at or above the Default APR, will no longer vary. 2 The U.S. Prime Rate used to determine your APRs for each billing cycle is the highest rate appearing in The Wall Street Journal on the last publication date of the calendar month that ends within that billing cycle. On March 30, 2007, the U.S. Prime Rate was 8.25%. The APRs for your account may change.If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off. ■ The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one Billing Cycle to another.
I have read this application, and everything I have stated is true. I am at least 18 years old and either a United States citizen or a permanent resident of the U.S., or I am at least 21 years of age and a permanent resident of Puerto Rico. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline this application, service my account, and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and its credit experience with me. In addition, I may as a Customer later indicate a preference to exempt my account from some of the information-sharing companies ("opt-out"). If I accept or use an account, I do so subject to the terms of this application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of this application will have no effect. I understand that if this application is approved for an account with a credit line of less than $5,000, I will receive a Platinum Plus account. I understand that if this application is approved for an account with a credit line of less than $2,000, I will receive a Preferred account. The benefits for Platinum Plus accounts and Preferred accounts are different from each other and the Visa Signature account. I accept that on a periodic basis my account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.
The information contained in this advertisement was accurate as of 4/1/2007. The information may have changed after that date. To find out what may have changed you may contact FIA Card Services, N.A., for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850. TTY users, please call 1-800-833-6262. *BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Transfers are processed as cash advances as described in the Credit Card Agreement. Cash advances incur finance charges from the transaction date. Balance Transfers and Cash Advance Checks are subject to transaction fees in the amount of None of the transaction (minimum $0). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers and/or Cash Advances Checks may not be used to pay off or pay down any account issued by FIA Card Services, N.A. **Certain restrictions apply to each benefit. Platinum Plus and Preferred card benefits differ from Visa Signature card benefits ( i.e. ,. coverage amounts vary and some benefits are not available).***Online Banking service is only available in certain states. Total Security Protection claims may be filed against posted and settled transactions subject to dollar limits and verification. Certain exclusions, restrictions, and limitations apply to travel and emergency assistance, automatic auto rental insurance, Purchase Replacement and Purchase Guard. Cash advance fees and finance charges apply to cash advance checks.Authorizations, Terms and Conditions By applying for a credit card with Bank of America, N.A. (USA) ("We", "Us", or "Our"), you agree to the following: 1) You authorize us to obtain credit reports in connection with (a) your request for and our issuance of an account; (b) the collection, review or renewal of your account; and (c) any change to your credit limit or terms of your account. We may report our credit experience with you to others. 2) You are a U.S. Citizen or a permanent resident of the U.S. 3) You will receive a Cardholder Agreement with your credit card(s). The Cardholder Agreement becomes effective and you agree to its terms by either using your account or by not closing your account within three days of receipt of your Cardholder Agreement.
The terms of your account, including the APR, are subject to change. Any such changes will be made in Accordance with the Cardholder Agreement.
4) You certify that you are of legal contracting age and that you have read all of the terms, authorizations and disclosures contained herein. You understand that the information that you provide is given to obtain credit from Us and represent and warrant that it is true and complete. 5) Delaware law will govern your agreement with Us. Disputes, claims or controversies shall upon election by either you or Us be resolved by binding arbitration. 6) The type of account (Visa Signature/Platinum, or Preferred), APR, credit line and your initial margins will be based on our review of your current credit report and information you provide on the application. Your minimum credit line is $500. 7) You authorize us and Alaska Airlines to share information about you with each other.◊ Alaska Airlines Program Rules Earn one mile for every dollar of purchases less any purchase credits other than payments ("Net Purchases"). With the Alaska Visa Signature or Platinum Card, earn two miles for every dollar in purchases of Alaska Airlines/Horizon Air tickets and vacation packages. Alaska Airlines or Horizon Air tickets sold through a travel agency as part of a cruise or tour package other than an Alaska Airlines Vacations(R) package do not qualify for double purchase miles. Earn up to 5 miles per dollar at participating restaurants. Miles will be posted from Mileage Plan Dining and will be reflected on your Mileage Plan statement. Cardmembers can earn up to 100,000 miles on the Gold Card or 50,000 miles on the Classic Card each calendar year based on net purchases. There is no limit to the number of miles to be earned with a Alaska Visa Signature or Platinum Card. Miles are not earned on cash advances, balance transfers, fees, finance charges, late fees or other charges. All miles earned on this account will be credited to the primary cardholder's Alaska Airlines Milage Plan account. No miles are earned if the Account is in default as defined in the Cardmember Agreement. We may change, add or delete terms of your account including but not limited to the benefits listed above. Other terms and conditions may apply as stated in the Cardmember Agreement. The $50 (USD) Companion Certificate entitles the cardholder to purchase one round-trip Companion Ticket for $50 (USD) on Alaska Airlines and/or Horizon Air when traveling with another passenger on a paid published airfare on the same itinerary, booked at the same time. Passenger is responsible for all applicable taxes, fees and surcharges. Fare does not include airport passenger-facility charges of up to $18 (amount depends on itinerary), federal segment tax of $3.20 per segment (takeoff and landing) and September 11th security fee of up to $10 ($2.50 per enplanement). Fare to Mexico or Canada does not include the following: To Mexico: U.S. International departure and transportation taxes of up to $58, Mexico visitors' tax of $20 (fluctuates with dollar-peso exchange rate). To Canada: airport improvement fee (varies by airport), Canadian Security Fee of $9, U.S. Immigration fee of $7. Taxes and fees subject to change. All taxes and fees stated in U.S. dollars. Each Board Room pass entitles the cardholder to a single visit to any Alaska Airlines Board Room. The Board Room pass does not include conference room and guest privileges. If an account is inactive for longer than three years, the account may be deleted from the member files and the number reassigned. Once mileage has been deleted from an account, it will not be reinstated. No preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history and your experience with other creditors. Your minimum payment each month will be the amount by which your balance exceeds your revolving credit access line plus all periodic rate finance charges and unpaid fees plus a fixed amount of $10. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the acc0unt generally. Alaska Airlines Board Room passes can be used at Alaska Airlines Board Rooms at select airports: Seattle, Los Angeles (LAX), San Francisco, Portland, and Anchorage. You may be asked to present your Alaska Airlines Visa Platinum card at time of check-in. Alaska Airlines reserves the right to revise Board Room hours of operation and limit the number of guests per room based on occupancy restrictions or adverse conditions at individual airport locations. Use of Board Room Guest Pass does not include Guest or Conference Room privileges. Board Room passes are non-transferable and will be voided if transferred or sold. Additional restrictions may apply. Your Alaska Airlines Visa Signature/Platinum Benefit Certificates will be included in your Bank of America new account Welcome Kit. Please allow 4 to 6 weeks for delivery. Bonus Miles will be applied to your Alaska Airlines Mileage Plan approximately 6 weeks after your account is opened. Alaska Airlines Mileage Plan Terms If you are not a current Alaska Airlines Mileage Plan member, Alaska Airlines will enroll you into the Alaska Airlines Mileage Plan program when you become a cardmember. Alaska Airlines has the sole responsibility for the Mileage Plan program, which is subject to amendment or termination at any time. If no mileage is credited to an account during the first nine months after it is opened, or if an account is inactive for longer than 3 years, the Alaska Mileage Plan reserves the right to delete an account and reassign the number. Once mileage has been deleted from an account, it will not be reinstated. See Program Guidelines Award Chart on your Alaska Airlines Mileage Plan statement for details regarding award mileage requirements. If an account is inactive for longer than three years, the account maybe deleted from the member files and the number reassigned. Once mileage has been deleted from an account, it will not be reinstated.Visa Signature® is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to a license from Visa U.S.A. Inc.FIA Card Services, N.A., is the issuer and administrator of this credit card program.©2006 Bank of America State Law Disclosures Notice to New York State Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports. Notice to Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Notice to Married Wisconsin Residents: No agreement, individual statement, or court order applying to marital property will adversely affect the creditor's interest unless the creditor prior to the time credit is extended is furnished with a copy of the agreement, statement, or order, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Notice to California Residents: Regardless of your marital status, you may apply for credit in your name alone.Visa Signature is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to a license from Visa U.S.A. Inc.FIA Card Services, N.A., is the issuer and administrator of this credit card program. ©2007 Bank of America Corporation
Alaska Airlines Visa® Signature Credit Card Application
Alaska Airlines Visa® Signature Credit Card Review
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