Effective March 1, 2020
Before we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure which you will receive prior to using your card(s).
| Interest Rates and Interest Charges | |
|---|---|
| ANNUAL PERCENTAGE RATE (APR) for Purchases | 3.99% or 5.99% Introductory APR for qualifying members for 6 billing cycles from the date your account is opened. Based on your creditworthiness when you open your account. After that, or if you do not qualify for the introductory APR, 8.90%, 10.80%, 16.80% based on your creditworthiness when you open your account. |
|
APR for Balance Transfers |
3.99% or 5.99% Introductory APR for qualifying members for 6 billing cycles from the date your account is opened. Based on your creditworthiness when you open your account. After that, or if you do not qualify for the introductory APR, 8.90%, 10.80%, 16.80% based on your creditworthiness when you open your account. |
|
APR for Cash Advances |
3.99% or 5.99% Introductory APR for qualifying members for 6 billing cycles from the date your account is opened. Based on your creditworthiness when you open your account. After that, or if you do not qualify for the introductory APR, 8.90%, 10.80%, 16.80% based on your creditworthiness when you open your account. |
| Paying Interest | 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| 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 | |
|
Transaction Fees Cash Advance Fees Foreign Transactions |
$10.00 or 3.25% of the amount of each cash advance, whichever is greater. 1% of each transaction in U.S. dollars |
|
Penalty Fees Late Payment Returned Payment Fee |
Up to $28.00 Up to $25.00 |
How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. See your Account Agreement for more details.