Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 
8.9% to 16.9%  when you open your account, based on yourcreditworthiness. APR for Balance Transfers 
10.9% to 18.0%   when you open your account, based on yourcreditworthiness. APR for Cash Advances 
10.9% to 18.0% when you open your account, based on yourcreditworthiness. Penalty APR and When it Applies Not Applicable 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 any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge Not Applicable 
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 None Transaction Fees 
Balance T
ransfer 
Cash Advance 
Foreign Transaction None 
None 
1% of each transaction in US Dollars 
Penalty Fees 
Late paym
ent 
Over-the-Credit Limit 
Returned Payment Up t
o $25 
None 
Up to $25 
Other Fees 
Card Replac
ement 
$5 
How W
e Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)".  See your account agreement for more details. The information about the costs of the card described in this application/solicitation is accurate as of March 2017. This information may have changed after that date. To find out what may have changed, call us at 1-866-734-7233 or write to us at PO Box 310136 Tampa, FL 33680-0136. Credit Card Interest Rates and Fees