1. All offers of credit are subject to credit approval. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc. Other fees including currency conversion exchange rates may apply. 2. Rewards reflect net eligible purchases and are subject to change. Credit card points expire after three years. 3. Payer Direct Hub is provided by Bora Payment Systems in agreement with Western Alliance Bank.