Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When it 
Applies 
How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

8.9% to 16.9% when you open your account, based on your 
creditworthiness. 
10.9% to 18.0% when you open your account, based on your 
creditworthiness. 
10.9% to 18.0% when you open your account, based on your 
creditworthiness. 

Not Applicable 

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. 
Not Applicable 

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 
Balance Transfer 
Cash Advance 
Foreign Transaction 

Penalty Fees 

Late payment 
Over-the-Credit Limit 
Returned Payment 

Other Fees 

None 

None 
None 
1% of each transaction in US Dollars 

Up to $25 
None 
Up to $25 

Card Replacement 

$5 

How We 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 
April 2013. This information may have changed after that date. To find out what may have changed, call 
us at 1-800-999-5887 or write to us at PO Box 11904 Tampa, FL 33680-1904.