| BASICS |
| APR (Interest Rate) | 9.75% - 16.25%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Late Fee | $15 for balances less than $100, $29 for balances of $100 to $1000 and $35 for balances greater than $1000 |
| Over-the-limit Fee | $35.00 |
| Currency Conversion Fee | Foreign Transaction Fee: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
A variable APR will apply to balances attributable to purchases, depending on your creditworthiness.
|
| Travel Rewards | N/A |
| Cash Rebate |
- Earn 1% in cash back credit on all qualifying purchases.
- No limit on cash back; no expiration date on eligibility for accounts in good standing.
|
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
1.99% for
6
months. After the intro period, the rate will be
as low as
9.75% - 16.25%.
* • Transaction Fee: 2% of the transfer amount. |
| Cash Advance | The APR for cash advances is 13.75% - 20.25%.
Transaction Fee for cash advances: All cash advances (excluding balance transfers)
5% of the amount of the advance, but not less than $5, no more than $100. |
| Default APR | The APR for default is 22.00%.
If at the end of a billing period your minimum payment from any preceding billing period remains due and unpaid, the APR will be billed at 22% per annum, and will stay at that rate until the account is brought to a current status. |
| Other Features | N/A |
| Card Description | • Earn 1% in cash back credit on all qualifying purchases.
• No limit on cash back.
• Travel accident coverage up to $500,000
• No annual membership fee.
• Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
• Online access to credit card account information.
|
