Interest Rates and Interest Charges
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Annual Percentage Rate (APR) for purchases |
0.00% APR Introductory Rate for the first 12 months. After that, your APR will be 17.74% or 22.74%, based on your creditworthiness. |
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APR for balance transfers |
0.00% APR Introductory Rate for the first 12 months. After that, your APR will be 17.74% or 22.74%, based on your creditworthiness. |
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APR for cash advances |
18.74% or 24.74%, based on your creditworthiness. |
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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. |
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Minimum Finance Charge |
If you are charged interest, the charge will be no less than $0.50. |
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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 |
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Transaction fees - Balance Transfer
- Cash Advance - Foreign Transaction |
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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 9.99% or 14.99% 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.
Cash Back Rebate Terms and Conditions
Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate."
Open accounts that are not in default under this Agreement or otherwise restricted will accumulate rebates; Rebates in amounts greater than or equal to $10.00 are available for redemption though Online Banking each billing cycle and can be deposited directly into my Dollar Bank checking account (if I have a Dollar Bank debit card) or the rebate can be applied as a credit to the Credit Card Account. Accounts with rebate amounts of less than $10.00 or that are in default or otherwise restricted are not eligible for distributions. If an account is not eligible for a distribution for any reason in one distribution period, the accumulated rebates will carry over to the next period. If an account is closed for any reason, all accumulated Cash Back Rebates for that account will be forefeited.
The account holder is responsible for any taxes on Cash Back Rebates. Dollar Bank reserves the right to cancel or otherwise change the terms applicable to the Cash Back Rebate program at any time with 30 days prior written notice.
