Interest Rate and Interest Charges  
Annual Percentage Rate  
(APR) for Purchases 
 8.99% to 18.00% , when you open your account, based upon card type and credit worthiness. 
APR for Balance Transfers  
 8.99% to 18.00%  
APR for Cash Advances  
 8.99% to 18.00%  
Penalty APR and When it Applies  
      
 18.00%  
 This APR may be applied to your account if you make a late payment.  
How long will the penalty APR apply? If your APR is increased because you make a late payment, the Penalty APR will apply  until 
you make six consecutive minimum payments when due.   
How to Avoid Paying Interest on 
Purchases Your due date is at least 28 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. 
 
For Credit Card Tips from the 
Consumer Financial Protection Board To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial Protection Board at www.consumerfinance.gov/learnmore. 
 
 
  
Fees 
Annual Fee  
 None  
Transaction Fees  
� Balance Transfer � Cash Advance � Foreign Transactions - Platinum & Platinum Rewards MasterCard  � Foreign Transactions - World MasterCard 
  
None None  Cross Border Fee - .9% of the transaction Currency Conversion Fee - .2% of the transaction   None  
Penalty Fee s 
� Late Payment � Over-the-Credit Limit � Returned Payment  
Up to $35.00 Up to $35.00 $12.00 
 
How we will calculate your balance: We will use a method called �average daily balance (including new purchases).�  
   Credit Card Disclosure - Application/Solicitation- Revised 01/19