Rates effective
APR = Annual Percentage Rate
|
Interest Rates and Fees |
Introductory APR |
APR1 |
|---|---|---|
|
Purchases |
3.90% for 6 billing cycles |
14.15% |
|
Balance transfers |
3.90% for 6 billing cycles |
14.15% |
|
Cash advances |
3.90% for 6 billing cycles |
14.15% |
|
Penalty APR2 |
17.90% |
17.90% |
|
Returned Payment Fee |
Up to $25 |
Up to $25 |
1 APR (Annual Percentage Rate) will vary with the market based on the prime rate.
2 The Penalty APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. 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 www.consumerfinance.gov/learnmore.