Interest Rate and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

8.99% to 18.00%, when you open your account, 
based upon card type and credit worthiness. 

APR for Balance Transfers 

8.99% to 18.00% 

APR for Cash Advances 

8.99% to 18.00% 

Penalty APR and When it Applies 

18.00% 

This APR may be applied to your account if you make a late 
payment. 

How long will the penalty APR apply? If your APR is increased 
because you make a late payment, the Penalty APR will apply until 
you make six consecutive minimum payments when due.   
Your due date is at least 28 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. 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection 
Board 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Board at www.consumerfinance.gov/learnmore. 

Fees 
Annual Fee 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  Foreign Transactions - 
Platinum & Platinum 
Rewards MasterCard 

None 

None 
None 

Cross Border Fee - .9% of the transaction 
Currency Conversion Fee - .2% of the transaction 

•  Foreign Transactions - World 

MasterCard 

None 

Penalty Fees 

•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment 

Up to $35.00 
Up to $35.00 
$12.00 

How we will calculate your balance: We will use a method called “average daily balance (including 
new purchases).”   

Credit Card Disclosure - Application/Solicitation- Revised 01/19