IMPORTANT INFORMATION REGARDING OUR CREDIT CARDS                                               

Interest Rates and Interest Charges 

ANNUAL PERCENTAGE RATE (APR) for: 

•  All Purchases  
•  Balance Transfers 
Cash Advances 
• 

Paying Interest  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

25.99% APR  

Your due date is at least 25 days after the close of each billing cycle. We will not impose 
interest charges on purchases or balance transfers if you pay your entire balance in full 
by the due date each month. We will begin charging interest on cash advances on the 
transaction date. 
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 

Fees 
Annual Fee 

NONE 

Transaction Fees 
•  Balance Transfer Fee 
•  Cash Advance Fee 
•  Currency Conversion Transaction 

Fee 
International Transaction Fee 

• 
Penalty Fees 
•  Late Payment Fee 
•  Returned Payment Fee 
•  Over the Limit Fee 
Other Fees 
•  Card Replacement Fee 
•  Copying Fee 

•  Special Processing Fee 

NONE 
$5.00 or 2% of the amount advanced, whichever is greater 
1.0% of each transaction in US dollars, if currency conversion occurs. 

0.8% of each transaction in US dollars, if no currency conversion occurs. 

Up to $25.00 
Up to $25.00 
NONE 

$5.00 per card replaced prior to the normal reissue date. 
$4.00 per-page fee for copies of transaction documents or statements unless we are 
required to provide them when resolving a billing dispute. 
$35.00 per card for expedited processing and delivery, if available and offered.  

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, “average daily balance (including new purchases and balance transfers).”  
See the Card Agreement for more details. 

The disclosures above are accurate as of the printing date of March 10, 2021 and are subject to change thereafter. Please contact us for information 
on any changes, call 888-929-2265 or by writing to us at the following address: 

Armed Forces Bank, N.A. 
Attn: Credit Card Department 
PO Box 26458 
Kansas City, MO 64196 

Revision dated 3-10-2021 

 
 
 
               
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revision dated 3-10-2021