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Credit Card Application Information:
The following disclosures represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of January 10, 2020.
Interest Rates and Interest Charges
| ANNUAL PERCENTAGE RATE (APR) for Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card. | Platinum: 8.9% APR |
| ANNUAL PERCENTAGE RATE (APR) for Balance Transfers made within six months of opening the card. | 0% APR for 12 months, then standard rate, if completed January 10, 2020 through March 31, 2020 |
| How to Avoid Paying Interest on Purchases | Your due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. |
| 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 Fees | None |
Penalty Fees |
$25 |
| Transaction Fees - Foreign Transaction - Cash Advance |
1% of transaction amount |
| - Balance Transfer | $10.00 or 2% of the amount of each balance transfer, whichever is greater |
| International Service Assessment Fee | 1% of transaction amount |
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).
