Zero Fraud Liability
24/7 Customer Service in the U.S.
|Purchase APR||Balance Transfer APR||Annual Fee|
|9.75%†||9.75%†||$25 (waived with deposit relationship)†|
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||9.75% Fixed|
|APR for Balance Transfers||9.75% Fixed|
|APR for Cash Advances||9.75% 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 any interest on purchases and/or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances 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.|
|Annual Fee||$25.00 Annual fee waived with deposit relationship.|
|• Balance Transfer||None|
|• Cash Advances||None|
|• Foreign Transaction||Up to 1%|
|• Late Payment||Up to $30.00|
|• Over-the-Credit Limit||None|
|• Returned Payment||Up to $30.00|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).* An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.