‡Special Intro Offer: Applies to new World or Empower credit card applications submitted between November 1 and December 31, 2021 and accounts opened by January 14, 2022 when you spend $2,000 on purchases in the first 90 days of account opening. For World card accounts, all special intro offer bonus points will be applied to the myTowerRewards account by April 30, 2022 and can be redeemed for cash back. Minimum $25 to redeem for cash back. For Empower card accounts, the special intro offer will appear as a $50 statement credit upon spending $1,000 and an additional credit of $50 will appear as a statement credit after spending the subsequent $1,000 spend requirement. Standard card terms will apply if the $2,000 spend requirement within the first 90 days of account opening is not met. Refer to your Account Opening Disclosure for your standard terms. The promotional special intro offer may not be combined with the Standard intro offer.