| BASICS |
| APR (Interest Rate) | 13.24%var |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 495 |
| Grace Period | 21 days |
| FEES |
| Late Fee | for Residents of Iowa at the time of Account opening $15 |
| Over-the-limit Fee | $25 for balances <= $1,000; $39 for balances > $1,000; for Residents of Iowa $15 |
| Currency Conversion Fee | 3% of the U.S. Dollar amount. |
| CARD FEATURES |
| Customized Terms | N/A |
| Travel Rewards |
- The more you use the Black Card the better. Black Card members will receive 1% cash back on purchases or points that can be redeemed for travel on any airline at anytime.
- Priority Pass is the world's largest independent airport VIP lounge program, allowing you access to more than 500 airport lounges in over 90 countries worldwide.
- Become a Black Card member today and enjoy our 24-hour world class Concierge Service, ready to assist you with all your travel, leisure and personal needs.
|
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
0.00% for
6
months. After the intro period, the rate will be
13.24%.
Balance Transfer and Convenience Check Charge: During the first six billing cycles: 3% of the amount of each transfer or check, $5 minimum, $50 maximum. After the first six billing cycles: 3% of the amount of each transfer or check with a minimum fee of $5. |
| Cash Advance | The APR for cash advances is 19.99%.
Cash Advances APR: 15.99%, and this rate will not be lower than 19.99%
Cash Advance Charge: 3% of the amount advanced, $10 minimum, no maximum. |
| Default APR | The APR for default is 29.99%.
if your payment is received late, you fail to pay at least the minimum due, your payment is not honored by your bank, or your balance exceeds your credit card line, the APRs on your account may be increased to the then applicable Penalty APR. |
| Other Features | N/A |
| Card Description | • Limited Membership (The Black Card is not for everyone. In fact, it is limited to only 1% of U.S. residents to ensure the highest caliber of personal service is provided to every Cardmember.)
• 24-hour Concierge Service.
• Exclusive rewards program.
• Luxury gifts.
• Patent pending carbon card.
• 0% APR for 6 months on Balance transfers. |
