Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE   

SPURS REWARDS MASTERCARD LEVEL I 
SPURS REWARDS MASTERCARD LEVEL II 
SPURS REWARDS MASTERCARD LEVEL III 

Spurs Rewards Mastercard Level I 
2.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 9.65%. This APR will vary with the market 
based on the Prime Rate. 

Spurs Rewards Mastercard Level II 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.65%. This APR will vary with the market 
based on the Prime Rate. 

Spurs Rewards Mastercard Level III 
8.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 15.25%. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers 

Spurs Rewards Mastercard Level I 
5.90% 

Spurs Rewards Mastercard Level II 
8.90% 

Spurs Rewards Mastercard Level III 
11.90% 

APR for Cash Advances 

Spurs Rewards Mastercard Level I 
2.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 9.65%. This APR will vary with the market based 
on the Prime Rate. 

Spurs Rewards Mastercard Level II 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.65%. This APR will vary with the market 
based on the Prime Rate. 

Spurs Rewards Mastercard Level III 
8.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 15.25%. This APR will vary with the market 
based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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.   

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 
Transaction Fees 
- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Over-the-Credit Limit Fee  
- Returned Payment Fee  

1.10% of each transaction in U.S. dollars 

Up to $25.00 
None 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Loss of Introductory APR: 
We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR if 
you are 60 days late in making a payment.  

Effective Date: 
The information about the costs of the card described in this application is accurate as of: January 15, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Spurs Rewards Mastercard Level I, Spurs Rewards Mastercard Level II and Spurs 
Rewards Mastercard Level III are secured credit cards. Credit extended under this credit card account is secured 
by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any  goods  you  purchase  with  this 
account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) 
all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding  shares  in  an  Individual 
Retirement Account or in any other account that would lose special tax treatment under state or federal law, and 
(d)  collateral  securing  other  loans  you  have  with  the  Credit  Union  excluding  dwellings.  Notwithstanding  the 
foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered  borrower  under  the 
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be 
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be 
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; 
or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

Rush Fee: 
$25.00 overnight. 

Statement Copy Fee: 
$2.00.  

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.  

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