TRUWEST VISA� CREDIT CARDS  
Rates Effective 04/13/2020 and Subject to Change  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
INTEREST RATES AND INTEREST CHARGES  
ANNUAL PERCENTAGE RATE 
FOR PURCHASES (APR)  0%  INTRODUCTORY APR FOR 18 BILLING CYCLES  
FROM DATE OF ACCOUNT OPENING. AFTER THAT, YOUR APR WILL BE 
5.95% � 19.95%  BASED ON  
YOUR CREDITWORTHINESS AND WILL VARY WITH MARKET BASED PRIME 
RATE.  
APR FOR BALANCE 
TRANSFERS  0%  INTRODUCTORY APR FOR 18 BILLING CYCLES  
FROM DATE OF ACCOUNT OPENING. AFTER THAT, YOUR APR WILL BE 
5.95%  � 19.95%  BASED ON  
YOUR CREDITWORTHINESS AND WILL VARY WITH MARKET BASED PRIME 
RATE.  
APR FOR CASH ADVANCES  13.95% - 21.95 %  BASED ON YOUR  
CREDITWORTHINESS AND WILL VARY WITH THE MARKET  
BASED ON THE PRIME RATE.  
PENALTY APR AND WHEN IT 
APPLIES  NONE  
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.  
MINIMUM FINANCE CHARGE  NONE  
FOR CREDIT CARD TIPS FROM 
THE CONSUMER FINANCIAL  
PROTECTION BUREAU  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  
FEES  
ANNUAL FEE  NONE  
TRANSACTION  FEES  
BALANCE T RANSFER 
CASH  ADVANCE  
FOREIGN TRANSACTION   
3% OF THE AMOUNT OF EACH BALANCE TRANSFER.  
 
4% OF THE AMOUNT OF EACH CASH ADVANCE.  
 
0.8% OF THE AMOUNT OF EACH TRANSACTION IF THERE IS NO CURRENCY  
CONVERSION;  
1% OF THE AMOUNT OF EACH TRANSACTION IF THERE IS CURRENCY  
CONVERSION;  
PENALTY FEES  
LATE PENALTY  
 
OVER THE CREDIT LIMIT 
RETURNED PAYMENT   
EQUAL TO MINIMUM PAYMENT DUE, BUT NO MORE THAN $25  
 
NONE  
 
EQUAL TO MINIMUM PAYMENT DUE, BUT NO MORE THAN $25  
 
How We Will Calculate Your Balance:  We use the average daily balance method (including new 
transactions).  
 
Billing Rights : Information on your rights to dispute transactions and how to exercise those rights is provided 
in your account agreement .