Account terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may change in accordance with the Credit Card Agreement and applicable law based on information in your credit report, market conditions, business strategies, or for any reason. Please review all of these materials so that you are fully informed about the terms of this credit card offer.
Annual Percentage Rate (APR) for Purchases
5% to 25% based on your creditworthiness when you open your account. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
Up to 29.99%
This APR will vary with the market based on the Prime Rate.T his APR may be applied to your account if:
- you make one or more late payments;
- your payment is returned by your bank
We may also consider your creditworthiness in determining whether or not to apply the penalty APR.
How Long Will the Penalty APR Apply?: If your APRs are increased, the Penalty APR will apply indefinitely.
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.
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 consumerfinance.gov/learnmore
Foreign Transaction Fee
Up to $40
Up to $40
We use a method called “average daily balance (including new purchases).” See the Agreement for more detail.
The APR on your Account will be determined each billing cycle by adding a margin to the Prime Rate (U.S.) as published in the Money Rates section of The Wall Street Journal (the “Index”) on the 25th day of the month or the following business day. If the Prime Rate changes, your new rate will take effect on your next billing period. The margin which will be added to the Prime Rate for purchases is 16.74% - 26.24%. As of September 15, 2020 the Prime Rate was 3.25%.
Your initial credit limit will be between $300-$2,000, based on your creditworthiness.