Nick's KMap III ™

 Credit Card Center Representative:Our MoneySense card has a pre-set credit limit, so there is no annual fee. 
 信用卡專員：我們的 MoneySense 卡有額度上的限制，所以免年 費。 
 The APR is prime plus 5.99 percent.  年利率是基本利率加上 5.99%。

Business Traveler:And the points system? 商務人士：紅利積點怎麼算？

 Credit Card Center Representative:You get 7,000 complimentary points after your first purchase. 
 信用卡專員：在您首次刷卡購物後，便可免費獲贈七千點，
They can be applied to air travel -- Upward Airlines gives special rates to MoneySense customers.
可用 來兌換航空旅遊。Upward 航空給予持有 MoneySense 卡的消費者特別優惠。 
Points never expire.       紅利點數永久

Business Traveler:Sounds pretty good.   商務人士：聽起來還不錯。  

Credit Card Center Representative:Our third card option is the MoneyPlus card.
信用卡專員：我們第三種卡是 MoneyPlus 卡，

                                   You also earn air travel miles, and you get up to a five percent cash rebate for all purchases.
                                   您也可以用來兌 換航空里程數，而所有刷卡消費都可獲得高達 5% 的現金回饋，
                                   It also offers free quarterly and annual account summaries.
                                   還提供每季和每年的帳戶明細。
                                   There is no annual fee, and the APR is only 7.99 percent.
                                   免年 費，而年利率只要7.99%。

                 Business Traveler:I'll take MoneyPlus.
                         商務人士：我要辦 MoneyPlus 卡。
                                   I like the cash rebate offer and I prefer no annual fee.
                                   我喜歡有現金回饋，也偏 好免年費。