|Annual Percentage Rate (APR) for Purchases
1.99% introductory APR for the first 6
After that, your APR will be from 14.74% up to 27.74%, based on your creditworthiness. This APR will vary
with the market based on the Prime Rate.1
|APR for Balance Transfers
0.00% introductory APR and 0 payments from the transfer date for 12 months and
$0 balance transfer fee. Applies to transfers made within the first 90 days from account
After that, your APR will be from 14.74% up to
27.74%, based on your creditworthiness. This APR will vary with the
market based on the Prime Rate.1
|APR for Cash Advances
25.74% to 29.74% when you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.1
|Penalty Rate and when it Applies
29.99% This APR may be applied to your account if you miss a required minimum
payment for a period of sixty (60) consecutive days from its due date.
How Long Will the Penalty APR Apply? If your APRs are increased for this
reason, the Penalty Rate will remain in effect until the account becomes current and 6
consecutive required minimum payments are received on or before the payment due date.
Your due date is at least 21 days after the close of each billing cycle. You will not be charged
interest from the time you purchased goods or services, if you pay your full account balance by
the Payment Due Date. In the event you don't pay the full account balance, while in the Grace
Period, you will not pay interest on the amount paid for that cycle. On subsequent cycles you
will not have a Grace Period until you pay your full account balance on time for two cycles in a
row. Amounts related to certain offers will not be taken into consideration in determining the
Grace Period. Please refer to the offer terms and conditions. The No Grace Period Transactions
begin to accrue interest on the date they are posted and remain subject to Interest Charges
until paid in full.
|For Credit Card Tips from the Consumer Financial
To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau.