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

Interest Rates and Interest Charges

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

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

Annual Fee
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late payment
Over-the-Credit Limit
Returned Payment

Other Fees

None

Fees

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 
(month/year). 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 11667 Tampa, FL 33680-1904.