Interest rates and interest charges
| Annual Percentage Rate (APR) for purchases |
0.00% APR Introductory Rate for the first 6 months. After that, your APR will be 13.74% or 18.74%, based on your creditworthiness. |
| APR for balance transfers |
0.00% APR Introductory Rate for the first 6 months. After that, your APR will be 13.74% or 18.74%, based on your creditworthiness. |
| APR for cash advances | 18.74% or 24.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| How to avoid paying interest on purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Finance Charge | If you are charged interest, the charge will be no less than $0.50. |
| For credit card tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore. |
Fees
| Annual fee | None |
|
Transaction fees - Balance Transfer
- Cash Advance - Foreign Transaction |
Either $5.00 or 1% of the amount of the transfer, whichever is greater, for the first six months. Either $5.00 or 3% of the cash advance, whichever is greater. 3% of the $US value of each transaction. $0.50 minimum. |
|
Penalty fees - Late Payment - Returned Payment |
Up to $35.00 Up to $35.00 |
Information is current as of todays date and may change thereafter. For details call 1-800-447-2823.
Regular Rates May Be Capped by Applicable State Usury Limits:
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Loss of Introductory APR: We may end your introductory APR if your payment is more than 30 days past due. Your regular rate will then apply.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Your APR may vary. The rate for purchases and balance transfers is determined by adding 5.99% or 10.99% to the Prime Rate. The rate for cash advances is determined by adding 10.99% or 16.99% to the Prime Rate. The Prime Rate is defined as the highest Prime Rate published in the Wall Street Journal on the 10th day of the calendar month prior to your billing cycle.
