Home Advantage™ World MasterCard® Credit Card with WorldPoints® Rewards

0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles

Intro APR	Intro APR period	Regular APR	Annual fee	Fee:	Balance transfers	Credit needed	Type of credit card
0%	12 billing cycles	9.99% / 15.99%	none		N/A	Poor Credit	(Personal)

Earn DOUBLE POINTS at ALL home related merchants for 1 year-- which include (but not limited to) home improvement, electronic, furnishing, paint and hardware stores. Some examples are Lowes®, The Home Depot®, Best Buy®, Bed Bath and Beyond®, Shermam Williams and many more!

• 0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles.
• Earn 1 point for every $1 in net retail purchases at all merchants
• Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates
• Redeem your Points as extra payments- Every time you earn 5,000 Points, you can redeem them for cash-which can be applied directly to your mortgage
• No limit to the number of points you can earn each year
• Absolute fraud protection against unauthorized use, online and offline
• Access to the MyConciergeSM service, a unique personal assistance service§
• Secure Online Account Access and electronic bill payment service
• Premier services and benefits with an exceptional selection of personalized rewards. In addition to Cash, Travel, Merchandise and Payments toward any Mortgage---you get Ultimate Access™ rewards - an exclusive benefit of your WorldPoints credit card that gives you the ability to redeem for exclusive collectibles, memorable tailor-made experiences, unprecedented access to sports and entertainment personalities, access to marquee events, exclusive designer items, sports memorabilia, and once-in-a-lifetime experiences.
• Card issued by FIA Card Services, N.A.

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