1st Advantage Credit Card Disclosure 

Interest Rates and Interest Charges for Platinum Credit Card 
Annual Percentage Rate (APR)¹ for  
Purchases  

introductory fixed rate is good for the first six (6) billing cycles from the date that your new 

3.99%²
credit card account is opened. 
After the promotion period: 
8.00% - 18.00% Variable APR 
This APR will vary with the market according to the Prime Rate. 
Average Daily Balance Method - Interest is calculated, billed and reported at cycle time. 

APR for Balance Transfers 

APR Cash Advances 

Penalty APR and When it Applies 

3.99%² introductory fixed rate is good for the first six (6) billing cycles from the date that your new 
credit card account is opened. 
After the promotion period: 8.00% - 18.00% Variable APR  
This APR will vary with the market according to the Prime Rate. 
Average Daily Balance Method - Interest is calculated, billed and reported from the date of the 
transaction. 

8.00% - 18.00% Variable APR  
This APR will vary with the market according to the Prime Rate. 
Average Daily Balance Method - Interest is calculated, billed and reported from the date of the 
transaction. 

17.95% penalty pricing applies to your account if you: a) are over 65 days past due; b) go over 
your credit limit; c) make a payment that is returned; or d) do any of the above on another account 
that you have with 1st Advantage. 
How Long Will the Penalty APR Apply?  If your APR is increased for any of these reasons, the Penalty 
APR will apply until you make at least six (6) consecutive minimum payments by the payment due 
date as shown in your monthly statement. (See cardholder agreement for complete details.) 

Minimum Interest Charge 

None 

How to Avoid Paying Interest on 
Purchases 

You will have a minimum of 25 days without a finance charge on new purchases if the total new 
balance is paid in full each month by the payment due date. 

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: http://www.consumerfinance.gov/learnmore  

Fees 

Annual Fee 

Transaction Fees 

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•
•

Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees 

•
•

Late Payment
Returned Payment

Other Fees 

•

Card Replacement Fee

None 

None 

None 
1% of Amount After Conversion 

$25 
$25 

$5 

•

•

•

•

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases)” (See cardholder agreement for
complete details.)
Loss of Introductory APR: Introductory rate will convert to the default APR of 17.95% if a minimum payment i s not received within 65
days of the due date.
Billing Rights: See cardholder agreement for complete details on bill-error rights.
¹ Variable Rate Information: Your APR may vary.  Rates are determined and adjusted monthly on the first business day by adding a Margin
to the highest Prime Rate published in the Wall Street Journal on the first day of the previous month.  The Margin is determined based on
an evaluation of each member’s credit history.  The Margin will range from 4.5% to 14.5% based on product type.
² Introductory rate available for new cards on purchases and new balance transfers for the first six (6) billing cycles from the date that your
new card is opened. Balances at the end of the 6 month term will be subject to current APR.
Your APR will never go above 18.00% APR.

Revised 1-16