Credit Card Interest Rates and Fees

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When it 
Applies 
How to Avoid Paying Interest 
on Purchases 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

8.9% to 16.9% when you open your account, based on your
creditworthiness. 
10.9% to 18.0%  when you open your account, based on your
creditworthiness. 
10.9% to 18.0% when you open your account, based on your
creditworthiness. 

Not Applicable 
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. 
Not Applicable 
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 
http://www.consumerfinance.gov/learnmore 

Annual Fee 
Transaction Fees 
Balance Transfer 
Cash Advance 
Foreign Transaction 

Penalty Fees 

Late payment 
Over-the-Credit Limit 
Returned Payment 

Other Fees 

None 

Fees 

None 
None 
1% of each transaction in US Dollars 

Up to $25 
None 
Up to $25 

Card Replacement 

$5 

How We Will Calculate Your Balance: We use a method called "average daily balancing (including new 
purchases)".  See your account agreement for more details. 
The information about the costs of the card described in this application/solicitation is accurate as of March 
2017. This information may have changed after that date. To find out what may have changed, call us at 1-
866-734-7233 or write to us at PO Box 310136 Tampa, FL 33680-0136.