* To qualify, you must apply for a Charles Schwab Bank Visa® credit card by May 15, 2005, and then make your first purchase or cash advance transaction (includes balance transfers) using your new account (transaction fee may apply) by June 30, 2005. Transaction must post to the account by June 30, 2005. The Schwab Bank credit card offer is subject to application approval by MBNA America Bank, N.A. Upon qualifying, a $150 Visa Gift card will be mailed to you between July and August of 2005. Visa Gift card offer is not available to New York residents. Visa Gift card is issued by MBNA. Monthly card maintenance fees of $2.50 per month waived the first six (6) months after the card issue date. Additional terms and conditions apply to Gift card.
1 Individualized BankCard Services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other important costs, features, and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 1-866-724-9223, write to P.O. Box 15020, Wilmington, DE 19850, or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.
Charles Schwab & Co., Inc. and Charles Schwab Bank, N.A. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC, and are not FDIC-insured, are not guaranteed deposits or obligations of Charles Schwab Bank, N.A., and are subject to investment risk, including possible loss of the principal invested. Deposit and lending products and services are offered by Charles Schwab Bank, N.A., member FDIC and Equal Housing Lender.
©2005 Charles Schwab Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. SCH 00116 (0405-6014) ELC32007B (04/05)
• No annual fee for the card or our WorldPoints® Rewards program—a potential savings of as much as $60. (Think of it as a dinner on the house.)
• Great competitive APR.
• Keep tabs on your numbers: A single login at schwab.com lets you access your brokerage and credit card accounts.
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1 Individualized BankCard Services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa® credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other important costs, features, and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 1-866-724-9223, write to P.O. Box 15020, Wilmington, DE 19850, or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.
Charles Schwab & Co., Inc. and Charles Schwab Bank, N.A. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC, and are not FDIC-insured, are not guaranteed deposits or obligations of Charles Schwab Bank, N.A., and are subject to investment risk, including possible loss of the principal invested. Deposit and lending products and services are offered by Charles Schwab Bank, N.A., member FDIC and Equal Housing Lender.
©2005 Charles Schwab Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. SCH 00116 (0405-6014) ELC32007B (04/05)
• The extraordinary WorldPoints® program that rewards you with Points redeemable for travel, merchandise, cash—even Schwab equity trades.2 No other rewards program can match it.
• You get 1 Point for every $1 you spend on net retail purchases; better yet, Double Points for Schwab brokerage purchases.2
• For those who covet cash, take advantage of unlimited (yes, you read that right) 1% cash rewards.2
• A wide selection of brand merchandise rewards to please everyone: try Pottery Barn®, Callaway®, and Panasonic® for starters.2
APPLY NOW1 >
1 Individualized BankCard Services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa® credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other important costs, features, and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 1-866-724-9223, write to P.O. Box 15020, Wilmington, DE 19850, or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.
2 Rewards begin at 2,500 Points for cash/merchandise and 25,000 Points for air travel. Rewards subject to maximum dollar value and special air arrangements require payment of additional Points and a processing fee. Use your Charles Schwab Bank Visa credit card and earn 2 Points per dollar spent for any Charles Schwab & Co., Inc. ("CS&Co.") product, service, fee, or other charge for which CS&Co. accepts credit card payments (i.e., payments corresponding with merchant IDs 4301323135769630, 4301323135340739 and 4301320010234342). CS&Co. reimburses MBNA the cost of crediting this extra Point for each net purchase dollar spent on CS&Co. charges. Earn 1 Point per dollar of new net retail purchases charged to the card everywhere else it is accepted. Earn unlimited Points. Point earnings are rounded to the nearest whole Point. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice(SM), purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn Points. Points have no cash value except as described in connection with cash rewards, may not be used to pay any credit card balance, and are valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. Gateway. One (1) Companion Air Reward ticket is available when you redeem Points for one (1) Basic Air Reward. To obtain the Basic Air Reward ticket and its corresponding Companion Air Reward ticket you must redeem a total of 40,000 Points, i.e., 25,000 Points for the former and 15,000 Points for the latter. Unless authorized by MBNA, Points and/or rewards may not be combined with other discount or reward programs. Online merchandise catalog has widest selection of rewards; abridged catalog sent upon request. Cash reward check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program terms may change. Program sponsored by MBNA and managed in part by Carlson Companies, Inc., including Carlson Travel Group, Inc., an agency registered to do business in California (Reg. No. 2036509-50) and other states, as required. Details accompany new account materials. Schwab Equity Trade Rewards. Redeem Points online or by telephone. Reward will cover commission cost for equity trades placed online or through other automated channels in connection with the cardholder's eligible CS&Co. brokerage account. Schwab equity trade Rewards are not transferable. Additional terms apply.
Charles Schwab & Co., Inc. and Charles Schwab Bank, N.A. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC, and are not FDIC-insured, are not guaranteed deposits or obligations of Charles Schwab Bank, N.A., and are subject to investment risk, including possible loss of the principal invested. Deposit and lending products and services are offered by Charles Schwab Bank, N.A., member FDIC and Equal Housing Lender.
©2005 Charles Schwab Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. SCH 00116 (0405-6014) ELC32007B (04/05)
• Use your WorldPoints® for air travel, car rentals, cruises, hotel stays, exclusive members-only vacation packages.
• You'll appreciate WorldPoints' low Point-redemption levels: For example, just 40,000 Points gets you a ticket (25,000 Points) plus a companion ticket (15,000 Points). That's at least 20% less than many other rewards cards.2
• Forget about blackout dates, required 21-day advance booking and Saturday stays with our must-have Flexair™ Program.
• There's MyConciergeSM, a handy, in-time-of-need, 24/7 personal concierge service.3
• Travel with peace of mind because you'll have emergency medical, legal and transportation assistance, emergency ticket replacement service, lost luggage help, even prescription assistance.
• Rent a car and you could receive coverage for damage due to collision or theft (and skip the collision waiver fees at the rental car office).
• Protect yourself with up to $1,000,000 Common Carrier Travel Accident coverage. Because you never know.
APPLY NOW1 >
1 Individualized BankCard Services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa® credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other important costs, features, and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 1-866-724-9223, write to P.O. Box 15020, Wilmington, DE 19850, or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.
2 Rewards begin at 2,500 Points for cash/merchandise and 25,000 Points for air travel. Rewards subject to maximum dollar value and special air arrangements require payment of additional Points and a processing fee. Use your Charles Schwab Bank Visa credit card and earn 2 Points per dollar spent for any Charles Schwab & Co., Inc. ("CS&Co.") product, service, fee, or other charge for which CS&Co. accepts credit card payments (i.e., payments corresponding with merchant IDs 4301323135769630, 4301323135340739 and 4301320010234342). CS&Co. reimburses MBNA the cost of crediting this extra Point for each net purchase dollar spent on CS&Co. charges. Earn 1 Point per dollar of new net retail purchases charged to the card everywhere else it is accepted. Earn unlimited Points. Point earnings are rounded to the nearest whole Point. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice(SM), purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn Points. Points have no cash value except as described in connection with cash rewards, may not be used to pay any credit card balance, and are valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. Gateway. One (1) Companion Air Reward ticket is available when you redeem Points for one (1) Basic Air Reward. To obtain the Basic Air Reward ticket and its corresponding Companion Air Reward ticket you must redeem a total of 40,000 Points, i.e., 25,000 Points for the former and 15,000 Points for the latter. Unless authorized by MBNA, Points and/or rewards may not be combined with other discount or reward programs. Online merchandise catalog has widest selection of rewards; abridged catalog sent upon request. Cash reward check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program terms may change. Program sponsored by MBNA and managed in part by Carlson Companies, Inc., including Carlson Travel Group, Inc., an agency registered to do business in California (Reg. No. 2036509-50) and other states, as required. Details accompany new account materials. Schwab Equity Trade Rewards. Redeem Points online or by telephone. Reward will cover commission cost for equity trades placed online or through other automated channels in connection with the cardholder's eligible CS&Co. brokerage account. Schwab equity trade Rewards are not transferable. Additional terms apply.
3 Benefits associated with the credit card (e.g., Identity Theft Protection) are subject to terms and conditions. Concierge Services are available for personal use of the Charles Schwab Bank Visa credit card Customer, his or her spouse and dependents under 22. Available 24 hours a day, 7 days a week. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. Details accompany new account materials. MyConcierge is provided by LesConcierges, Inc.
Charles Schwab & Co., Inc. and Charles Schwab Bank, N.A. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC, and are not FDIC-insured, are not guaranteed deposits or obligations of Charles Schwab Bank, N.A., and are subject to investment risk, including possible loss of the principal invested. Deposit and lending products and services are offered by Charles Schwab Bank, N.A., member FDIC and Equal Housing Lender.
©2005 Charles Schwab Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. SCH 00116 (0405-6014) ELC32007B (04/05)
• Price Protection program from Visa®: If you find an item advertised at a price lower than what you paid within 60 days of the purchase, Visa will give you a refund of up to $500 per item. (Now you can shop without worrying about future sale prices.)
• Extended Warranty Protection from Visa: This coverage doubles your original warranty's free repair period (up to one year) when you use your card to purchase your toaster, golf clubs or whatever.
• Purchase Protection from Visa: Protects your merchandise from theft or damage up to 90 days after purchase.
• A comprehensive Identity Theft Assistance program that says if you've been a victim of identity theft, we'll do the following: 1) contact the three major credit bureaus to place fraud alerts, 2) notify creditors and law enforcement officials, and 3) send you a Fraud First Aid Kit to help you get back on track. We'll also monitor your account for fraudulent activity for up to 6 months. Your identity is something we take very seriously.
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Benefits associated with the credit card (e.g., Identity Theft Protection) are subject to terms and conditions. Concierge Services are available for personal use of the Charles Schwab Bank Visa® credit card Customer, his or her spouse and dependents under 22. Available 24 hours a day, 7 days a week. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. Details accompany new account materials. MyConcierge is provided by LesConcierges, Inc.
1 Individualized BankCard Services ("IBS"), a division of MBNA America Bank, N.A., is the issuer and administrator of the Charles Schwab Bank Visa credit card. Schwab Bank and MBNA are concerned about your privacy. Please review both of our privacy policies. For more information about the rates, fees, other important costs, features, and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call IBS toll-free at 1-866-724-9223, write to P.O. Box 15020, Wilmington, DE 19850, or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.
Charles Schwab & Co., Inc. and Charles Schwab Bank, N.A. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC, and are not FDIC-insured, are not guaranteed deposits or obligations of Charles Schwab Bank, N.A., and are subject to investment risk, including possible loss of the principal invested. Deposit and lending products and services are offered by Charles Schwab Bank, N.A., member FDIC and Equal Housing Lender.
©2005 Charles Schwab Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. SCH 00116 (0405-6014) ELC32007B (04/05)
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