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 

APR FOR CASH ADVANCES 

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. 

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 

ANNUAL FEE 

NONE 

FEES 

TRANSACTION  FEES 

BALANCE TRANSFER 

CASH  ADVANCE 

FOREIGN TRANSACTION 

PENALTY FEES 

LATE PENALTY 

OVER THE CREDIT LIMIT 

RETURNED PAYMENT 

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; 

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.