Fact Sheet

Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

0% up to 29.99%

Some APRs may vary with the market based on the Prime Rate.

APR for Cash Advances

0% up to 29.99%

Some APRs may vary with the market based on the Prime Rate.

Penalty APR and When 
It Applies

Up to 29.99% based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.

Paying Interest

 This APR may be applied to your account if you:
1. Make a late payment or
2. Make a payment that is returned.

How Long Will the Penalty APR Apply? If your APRs are increased for 
either of these reasons, the penalty APR may apply indefinitely.

Your due date is at least 23 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. We will begin charging interest on 
cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.

How We Calculate 
Your Balance

Daily Balance

Fees

Annual Fee

$0 up to $100

Transaction Fees

• Balance Transfer: Either $5 up to $99 or 3% up to 9.99% of the

amount of each transfer, whichever is greater.

• Cash Advance: Either $10 or 5% of the amount of each cash advance,

whichever is greater.

• Foreign Purchase Transaction: 3% of each purchase transaction

in U.S. dollars.

Penalty Fees

• Late Payment: None for the first late payment; up to $35 after that

• Returned Payment: Up to $35

Details About Your Interest Rates 
and Interest Calculations

Daily Periodic Rate

For Variable Rates:  
U.S. Prime Rate Plus

Purchases

Cash Advances

Penalty APR

0% up to 0.08216%

0% up to 26.74%

0% up to 0.08216%

0% up to 26.74%

Up to 0.08216%

Up to 26.74%

Variable rate APRs will not exceed 29.99%

Variable APRs Based on Prime. If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will 
equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the
APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing period we 
use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing 
Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the 
billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to 
any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will 
use a similar published rate.

Effect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may 
increase as well.

Daily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, 
we take the balance at the end of the previous day, add the interest on the previous day’s balance and new 
charges, and subtract new credits or payments. We figure the interest charge by multiplying the daily
balance by its daily periodic rate each day in the billing period. We then add up all the daily interest charges 
and the total is the interest charge for the billing period.

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