Zero Fraud Liability
24/7 Customer Service in the U.S
|Purchase APR||Annual Fees|
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||Variable APR 12.99% This APR will vary with the market based on the Prime Rate*|
|APR for Balance Transfers||17.99% Fixed|
|APR for Cash Advances||17.99% Fixed|
|Penalty APR and When It Applies||None|
|Paying Interest||Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and/or balance transfers on the transaction date.|
|Minimum Interest Charge||None|
|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|
|• Balance Transfer||None|
|• Cash Advances||Up to 3.0% of the amount advanced, with a minimum of $5.00|
|• Foreign Transaction||None|
|• Late Payment||Up to $25.00|
|• Over-the-Credit Limit||None|
|• Returned Payment||None|
* The prime rate used to determine your APR is the rate published in the Wall Street Journal on the 1st business day of the year - Minimum 12.99% and Maximum 17.99%.
How We Will Calculate Your Balance: We will use a method called Average Daily Balance including new purchases.
Billing Rights: Refer to your account agreement.
Military Lending Act: Federal law provided important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependant may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account).