| Annual Percentage Rate (APR) For purchases, balance transfers, cash advances |
8.25%-14.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate. |
| 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 interest on purchases if you pay your entire balance by the due date each month. |
| How We Will Calculate Your Balance |
We use a method called "average daily balance (including new purchases)" |
| Annual Fee |
$20 (waived the first year and with $5,000 in net purchases each subsequent year) |
| Minimum Finance Charge |
None |
| Transaction fee for purchases |
None |
| Transaction fee for cash advances |
None |
| Balance transfer fee |
None |
| Late payment fee |
$20 after 10 days late |
| Returned Check Fee |
$25 |
| Monthly Payments |
Based on the balance outstanding at the end of each billing cycle. Minimum payment is 3% of balance or $25, whichever is greater |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard |
| Billing Rights |
See USAgencies VISA Platinum Agreement and Disclosure for details on Billing-Error Rights |
