Interest Rate and Interest Charges 

Pricing Addendum 

Annual Percentage 
Rate (APR) 

How to Avoid Paying 
Interest 

Minimum Interest 
Charge 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 
Fees 

Annual Fee 

Transaction Fees 
Foreign Purchase 
Transaction 

Penalty Fees 
Late Payment 
Return Check Fee 

19.99%  

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on Standard Purchases if you pay your entire balance 
by the due date each month. We will begin charging interest on Promotional 
Purchases on the posting date. 
If you are charged interest, the charge will be no less than $2.00. 

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. 

None 

3% of each transaction after it is converted to US dollars 

Up to $35 
Up to $35 

How Lender Will Calculate Your Balance: Lender uses a method called “average daily balance” 
(including new purchases). See your Card Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in the Blispay Visa Card Agreement.