Apply by September 30, 2010 and receive a credit of up to $401 on your account the first time you spend $15 or more by November 30, 2010.

1. Offer is limited to new accounts. Applications must be received between September 1 and September 30, 2010 and you must make your first purchase of $15 or more by November 30, 2010 in order to receive the one time $40 or $15 credit to your MasterCard account. There is a limit of one $40 or $15 credit per new account. The credit will be applied to your account within 45 days after your first minimum $15 purchase.