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

9.9% to 17.9% when you open your account, based on your 
creditworthiness. 
11.9% to 18.0%  when you open your account, based on your 
creditworthiness.
11.9% to 18.0% when you open your account, based on your 
creditworthiness.

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

Fees

Annual Fee
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late payment
Over-the-Credit Limit
Returned Payment

Other Fees

None

None
None
None

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 March 
2017. This information may have changed after that date. To find out what may have changed, call us at 1-
800-999-5887 or write to us at PO Box 11904 Tampa, FL 33680-1904.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and
their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must
include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for
ancillary products sold in connection with the credit transaction; any application fee charged (other than certain
application fees for specified credit transactions or accounts); and any participation fee charged (other than certain
participation fees for a credit card account).

12/16/2019