Interest Rates and Interest Charges

Annual Percentage Rate 
(A P R) for Purchases

17.99% to 26.99%

Pricing Information Table

Paying Interest

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

If you are charged interest, the charge will be no less than $2.

How We Calculate  
Your Balance 

Daily Balance

Fees

Penalty Fees

•  Late Payment

Up to $40

Details About Your Interest Rates  
and Interest Calculations

Purchases

Daily Periodic Rate

0.04928% up to 0.07394%

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 cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.

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