Interest Rates & Charges

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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 17.24%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 17.24%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 27.49%

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 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest 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 http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee $295 for each Authorized User on this account.

Transaction Fees:

  • Balance Transfer
Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
0% of each transaction in U.S. dollars.

Penalty Fees:

  • Late Payment
Up to $37 (the amount of the fee varies by state, see below)
  • Returned Payment
Up to $37 (the amount of the fee varies by state, see below)

How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”.

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