|Limitations||Annual fee||Reward formula||Cap||Expiration|
|Signature and PIN purchases — see reward formula||$25||1 point for every $1 spent for signature-based purchases / 1 point for every $2 spent in PIN purchases / 2 points for every $1 spent on recurring debit card payments||No limit||3 years|
|Earn more Everyday Points (up to 300 per month) each month based on your enrolled banking relationships.
Bonus Points: Earn 20 points for each online bill payment made.
Redeem: Redeem points for gift cards, merchandise, airline tickets, vacations, cash and more.