Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate 
(A P R) for Purchases

25.24%

This A P R will vary with the market based on the Prime Rate.

11.90% for select purchases eligible for the 48 month reduced rate credit plan.*

0% – 11.99% for select purchases eligible for the 24 month reduced rate credit 
plan (available after June 30, 2020).* 

8.99% – 12.99% for select purchases eligible for the 36 month reduced rate 
credit plan (available after June 30, 2020).*

A P R for Balance Transfers

25.24%

This A P R will vary with the market based on the Prime Rate.

A P R for Cash Advances

27.99%

This A P R will vary with the market based on the Prime Rate.

Paying Interest

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. We will begin charging interest on cash advances and balance transfers on the 
transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.

How We Calculate  
Your Balance 

Fees

Annual Fee

Transaction Fees

•  Cash Advance
•  Balance Transfer

Penalty Fees

Daily Balance (including current transactions)

$0 - $59

Either $10 or 5% of the amount of each cash advance, whichever is greater. 
Either $15 or 5% of the amount of each balance transfer, whichever is greater.

•  Late Payment

Up to $40

Details About Your Interest Rates  
and Interest Calculations

Purchases

Reduced Rate Credit Plan for 11.90% 48 months

Reduced Rate Credit Plan for 0% 24 months

Reduced Rate Credit Plan for 7.99% 24 months

Reduced Rate Credit Plan for 11.99% 24 months

Reduced Rate Credit Plan for 8.99% 36 months

Reduced Rate Credit Plan for 12.99% 36 months

Balance Transfers

Cash Advances

Daily Periodic Rate

0.06915%

0.03260%

0.00000%

0.02189%

0.03284%

0.02463%

0.03558%

0.06915%

0.07668%

For variable rates:  

U.S. Prime Rate Plus

21.99%

N/A

N/A

N/A

N/A

N/A

N/A

21.99%

24.74%

A P Rs Based on Prime. If any A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R will equal the Prime Rate 
plus the additional amount shown above. If the Prime Rate increases, it will cause the A P R to increase. If the Prime 
Rate decreases, it will cause the A P R to decrease. For each billing cycle we use the Prime Rate published in The Wall 
Street Journal two business days before the Statement Closing Date. If the Prime Rate changes any A P R, we put the 
new A P R into effect as of the first day of the billing cycle for which we calculate the A P R. We apply the new A P R to any 
existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime 
Rate, we will use a similar published rate.

Effect of A P R Increases. If an A P R increases, interest charges increase. Your minimum payment may increase as well. 

Daily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the 
balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and subtract new 
credits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the 
billing cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.

*The store sales associate or store website will identify which purchases are eligible for these plans.

76S-0520