102D-0722

Credit Card Disclosures Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate
(A P R) for Purchases

28.49% 

This A P R will vary with the market based on the Prime Rate.

9.99% 

for select purchases eligible for a Major Purchase Plan.1

A P R for Balance Transfers 28.49%2 for balance transfers completed within 4 months from date of account opening.

A P R for Cash Advances

Paying Interest

This A P R will vary with the market based on the Prime Rate.
29.99%3

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 (minus any excluded balance, plus 
any separately required payment on an excluded balance) by the due date each month.4

We will begin charging interest on cash advances and balance transfers on the transaction 
date. We will begin charging interest on a Major Purchase Plan balance at the start of the 
billing cycle following the billing cycle in which the Major Purchase Plan Purchase was made.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

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 
h t t p : / / w w w . consumer 昀椀nance . gov / learn more

Fees

Annual Fee

Transaction Fees

•  Balance Transfer
•  Cash Advance
•  Foreign Purchase 

Transaction

Penalty Fees

•  Late Payment

None.

Either $10 or 5% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each cash advance, whichever is greater.
3% of each transaction in U S dollars.

Up to $40

1The store website will identify which purchases are eligible for the Major Purchase Plan.
2Balance transfers are made available at our discretion. To make a balance transfer call us at the number on the back of 
your card. 
3Please note cash advances are available only to the extent of your cash advance limit. Your cash advance limit may be 
as low as $0; it is a portion of your credit limit.
4See your Card Agreement for details on excluded balances and how they affect your grace period.

Details About Your Interest Rates

Purchases

Major Purchase Plan

Balance Transfers

Cash Advances

Periodic Rate  
as of 6/22/22

0.07805% (D)

0.02736% (D)

0.07805% (D)

0.08216% (D)

(D) = Daily periodic rate. A daily periodic rate is the A P R divided by 365. 

For variable rates:
U.S. Prime Rate Plus the following “Margin”:

23.74%

N/A

23.74%

N/A