|Limitations||Annual fee||Reward formula||Cap||Expiration|
|Signature purchases only||$0||1 point for every $1 in purchases||No limit — see notes||None|
Bonus Miles: Earn 2,500 bonus points for paying your first bill online. Earn 25 bonus points for each online bill payment. Earn 2,000 bonus points for referring a personal checking customer. Earn 5,000 bonus points for referring a business checking customer.
Caps on rewards: 25 bonus miles for each bill pay has a monthly cap of 500.
Redeem: Redeem points for rewards on travel, electronics, appliances, sporting goods, fashion accessories and more.