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Features and Benefits

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You should review the following disclosure terms and conditions prior to completing your application.
Any application submitted is subject to the terms of the product offered.

Standard MasterCard® Variable Rate Option
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for six months from date of account opening.
After that, your APR will be 11.99% to 17.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% introductory APR for six months, for qualifying balance transfers of $250 or more completed within 1 month from the account opening date.
After that, your APR will be 16.24% to 22.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 16.24% to 22.24% when you open your account, based on your creditworthiness.
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 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.
Minimum Interest Charge If you are charged interest on purchases, the charge will be no less than $1.00.
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
Transaction Fees
  • Balance Transfer
3% of the amount of each transfer
  • Cash Advance
Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee: $50)
  • Cash Equivalent Purchases
Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee: $50)
  • Foreign Transaction
3% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
Up to $25
  • Returned Payment
Up to $25

 

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