Minimum age of a primary cardholder is 18 years. For cardholders under 18, an adult must act as a co-cardholder and be responsible for bill payment
Card must be active and in good standing to redeem rewards
Individual applicants may qualify with an annual income of $50,000
Joint applicants may qualify if the primary applicant has an annual income of $50,000, or both applicants have a combined household income of $70,000
Unutilised Reward Programme points will expire monthly, 36 months from the statement date they were earned (e.g., points earned in June 2007 will expire June 2010)