101A

Credit Card Disclosures Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate
(A P R) for Purchases

26.99% 

This A P R will vary with the market based on the Prime Rate.

9.99% 

for select purchases eligible for a Major Purchase Plan.1

How to Avoid  
Paying Interest

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 (minus any excluded balance, 
plus any separately required payment on an excluded balance) by the due date each 
month.2

We will begin charging interest on a Major Purchase Plan balance at the start of the billing 
cycle following the billing cycle in which the Major Purchase Plan Purchase was made.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.

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 
h t t p : / / w w w . consumer finance . gov / learn more

Fees

Penalty Fees

•  Late Payment

Up to $40

1The store website will identify which purchases are eligible for the Major Purchase Plan.
2See your Card Agreement for details on excluded balances and how they affect your grace period.

Details About Your Interest Rates

Purchases

Major Purchase Plan

Periodic Rate  
as of 9/1/20

0.07394% (D)

0.02736% (D)

(D) = Daily periodic rate. A daily periodic rate is the A P R divided by 365. 

For variable rates:
U.S. Prime Rate Plus the following “Margin”:

23.74%

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