Ameriprise World Elite MasterCard® credit card details and disclosures
Annual fee, rates and other costs
Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the Ameriprise World Elite MasterCard® credit card. Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may not be able to open an account for you or you may receive an Ameriprise MasterCard® credit card. See Terms and Conditions for information about the account terms and benefits that will apply if you are not approved for a World Elite MasterCard credit card. For information about the annual fee, rates, fees, other costs, and the rewards program rules and benefits associated with the use of this credit card program, please see the Terms and Conditions.
Annual Fee: $150. Fee waived for Achiever Circle Elite clients. 1.99% introductory APR on balance transfers is applicable for the first 6 billing cycles after your new account is opened (the "Introductory Period"). For balance transfers after the Introductory Period, the variable APR is Prime + 2.99%, currently 6.24%. For purchases, the variable APR is Prime + 2.99% currently 6.24%. The variable APR for cash advances is Prime + 3.99%, currently 7.24%. The minimum monthly finance charge will be $1 ($0.50 for residents of Iowa at time of account opening). Balance Transfer Fee: 3% (min $10). During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater (maximum fee $150). Cash Advance Fee: 3% (min $10). Foreign Transaction Fee: 2%. The fee for the purchase of cash equivalent transactions (money orders, traveler's checks, foreign currency, lottery tickets, gambling chips or wire transfers): 3% (min $10). The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 8/19/2010 using a Prime Rate of 3.25 % and are subject to change after this date.
Annual Fee Waiver for Achiever Circle Elite Members: If you are an Ameriprise Achiever Circle Elite member we will waive your annual fee on a World Elite card. 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. If at any time you are no longer a member of Achiever Circle Elite, you will be assessed an Annual Fee of $150. Please see your Cardmember Agreement for more details. Please refer to ameriprise.com or your Financial Advisor for more information about your Achiever Circle status and how this status may change.
Ameriprise Rewards Program
Points cannot be used to redeem travel through Virtuoso except for the You Name It rewards.
Subject to Ameriprise Rewards Program terms and conditions. Points are redeemed in increments of 10,000 for each $150 financial planning certificate. You may redeem points for 1.5% cash back into the following eligible Ameriprise® Accounts: Ameriprise Savings Account, Active Portfolios® Account, Ameriprise Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE® Financial Account, Ameriprise Brokerage Account and the Ameriprise Personal Savings Account. Please visit ameriprise.com/ameripriserewards for the Ameriprise Reward Program Terms and Conditions for complete details.
Travel benefits and other programs
Ameriprise World Elite MasterCard credit card cardholders receive a complimentary Priority Pass Select Card, which entitles them to free visits to more than 600 international airport lounges in over 100 countries and more than 300 cities. Free visit offer subject to program terms and conditions. Airport lounge access services are provided by Priority Pass Select 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 Select Conditions of Use please visit prioritypass.com. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for complete program terms and conditions.
General disclosures
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 credit card account if at any time we believe you have violated this requirement.
Ameriprise Bank, FSB, Equal Housing Lender and Member FDIC, provides 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.