1st  Advantage Credit Card Disclosure 
Interest Rates and Interest Charges for Signature Rewards Credit Card 
Annual Percentage Rate (APR)¹ 
for Purchases 

10.40% - 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 for Cash Advances 

Penalty APR and When it Applies 

10.40% - 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. 

10.40% - 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. 

18.00% 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 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 
Fees 

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. 

To learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer 
Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore 

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.)

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 6.90% to 14.75% based on product type.

Your APR will never go above 18.00% APR.

Revised 1-16