IMPORTANT INFORMATION REGARDING OUR CREDIT CARDS                                                

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for: 
All Purchases  
Balance Transfers 
Cash Advances 

• 
• 
• 

9.99%  to 15.60% based on your creditworthiness and other factors. 

Penalty APR 

NONE 

How to Avoid Paying Interest  

Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges if you pay 
your entire balance by the due date each month.  

Minimum Interest Charge 

NONE 

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 http://www.consumerfinance.gov/learnmore 

Fees 
Annual Fee 

Transaction Fees 
•  Balance Transfer Fee 
•  Cash Advance Fee 
•  Currency Conversion Transaction Fee 
• 

International Transaction Fee 

None 

$2.00 
$2.00 
1.0% of each transaction in US dollars, if currency conversion occurs. 
0.8%  of each transaction in US dollars, if no currency conversion occurs. 

Penalty Fees 
• 
Late Payment Fee 
•  Returned Payment Fee 
•  Over the Limit Fee 

Other Fees 
•  Card Replacement Fee 
•  Copying Fee 

•  Pin Replacement Fee 
• 
Special Processing Fee 

Up to $20.00 
Up to $20.00 
NONE 

$5.00 per card replaced prior to the normal reissue date. 
$4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when 
resolving a billing dispute. 
$2.00 
$35.00 per card for expedited processing and delivery. 

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, “average daily balance (including new purchases).”  
See the Card Agreement for more details. 

The disclosures above are accurate as of the printing date of December 31, 2016 and are subject to change thereafter. If you are approved, your APR will be determined 
by your credit score. Credit scores are provided to us through a credit-reporting agency.  

Please contact us for information on any changes, call 877.712.2265 or by writing to us at the following address: 

Academy Bank, N.A. 
Attn: Credit Card Department 
PO Box 26458 
Kansas City, MO 64196 

Member FDIC 
Revision dated 12-31-16