Fund future dreams

Choose to convert reward points into a cash deposit into a qualifying Ameriprise Financial Account². Rewards points can be redeemed for up to 1.5% cash back. No other card nurtures dreams this way.

¹ Ameriprise World Elite MasterCard cardholders receive a complimentary Priority Pass Card, which entitles them to free visits to more than 100 domestic and 400 international airport lounges. Free visit offer subject to program terms and conditions. Airport lounge access services are provided by Priority Pass Limited. Ameriprise Financial reserves the right to change this free visit offer at our discretion and may, with prior notice to you, impose a subsequent per person, per visit fee for cardholders. For the Priority Pass Conditions of Use please visit prioritypass.com.

² Subject to Ameriprise Rewards program terms and conditions. You may redeem points for cash back into the following eligible Ameriprise Accounts: Active Portfolios^® Account, Ameriprise^® Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE^® Financial Account, Ameriprise Brokerage Account, and the Ameriprise Personal Savings Account. Please see the Ameriprise Reward Program Terms and Conditions for complete details.

³ As an Ameriprise client, the 1.99% introductory Annual Percentage Rate (APR) on balance transfers and convenience checks is applicable for the first six billing cycles after your account is opened (the "Introductory Period"). The introductory APR may end early if we do not receive timely payments, if you exceed your credit line or if we receive a payment that is not honored by your bank. Ameriprise will allocate your payment to lower APR balances before higher APR balances. This means your savings will be lower if you engage in transactions that result in balances subject to higher APR balances. The APR may vary for purchases, and for balance transfers and convenience checks after the Introductory Period, and currently the rate is P+1.25%. The current variable APR for Cash Advances is P+1.25%. Minimum monthly finance charge: $1.00 ($0.50 for residents of Iowa).

Balance transfer and convenience check fee: 3% (min. $5, max. $50). Cash advance fee: 3% (min. $5, max. $50). Other restrictions apply. This information is accurate as of 11/05/2008 and may be subject to change after this date.

⁴ We reserve the right to waive your Annual Fee in any year based on factors we may determine from time to time without waiving your Annual Fee in subsequent years. As long as you are an Achiever Circle Elite member, we will waive your Annual Fee in any year in which you have at least $15,000 in net retail purchase transactions posted to your account in the previous 12 billing cycles from the anniversary of your account's open date that are not later returned, disputed or rescinded. If at any time you are no longer a member of Achiever Circle Elite you will be assessed an Annual Fee regardless of the amount of retail transactions that have posted to your account. Please see your Cardmember Agreement for more details.

The annual fee may be waived based on your Achiever Circle level, credit card type, and amount of annual transactions. Rewards and fee waivers associated with this Program may have a tax impact. You are solely responsible for any tax consequences as a result of points earned and/or redeemed or fee waivers. Please consult your tax advisor if you have tax questions about the Program.

⁵ We may permit you to incur charges that cause your Current Balance to exceed your revolving credit line. A no preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit line will be evaluated based upon your Account spending and performance, your payment history with us, and your experience with other creditors. If we authorize these charges, you must pay, with your minimum amount due, the amount by which your Current Balance exceeds your revolving credit line.

⁶ Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for complete program terms and conditions.

About Your Credit Report: You agree that we have a right to obtain a credit report in connection with our review of your application, and after we establish an Account, to administer the Account. You agree that we may report to others our credit experience with you. At your request we will provide the name and address of each consumer-reporting agency from which we obtained a report about you. You also agree that we have a right to share with Ameriprise Financial and its affiliates your application, your credit information and your credit report to assist us in connection with our review of your application and your account.

The Ameriprise Financial MasterCard^® credit cards are offered through Barclays Bank Delaware and issued by Ameriprise Bank, FSB. Upon opening, your Account may be subsequently transferred to Ameriprise Bank, FSB. MasterCard is a registered trademark of MasterCard International Incorporated, and is used pursuant to a license.

Ameriprise Bank, FSB, Member FDIC, is an Equal Housing Lender. Ameriprise Bank provides certain deposit, lending and personal trust products and services to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for offering bank products.

You may not use your Ameriprise MasterCard credit card account (this includes the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise MasterCard account if at any time we believe you have violated this requirement.

If we cannot approve your application for an Ameriprise World [Elite] MasterCard we may instead approve you for an Ameriprise MasterCard with a credit line of less than $5000. The benefits and account terms on this Account will differ from those of the World Elite MasterCard and World MasterCard cards. Please review the materials provided herein and with your Cardmember Agreement for more details.