IMPORTANTCREDITCARDDISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of 04/01/2026You can contact us toll free at the number or address on Page 1 to inquire if any changes occurred since the effective date.
INTERESTRATESandINTERESTCHARGES
1713.75% · Rewards Visa Card · Advantage Visa Card
Paying Interest · Your due date is at least 21 days after we mail your billing statement.We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month.We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to vour account
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 Bureauat http:/lwww.consumerfinance.gov/learnmore
FEES:
Fees to Open or Maintain your Account Annual Fee ApplicationFee · None None
Transaction Fees BalanceTransfer Cash Advance ForeignTransaction · None 4% of the amount of each cash advance with a minimum of $10.00 1% of each transaction in U.S.dollars if the transaction involves a currency conversion.1% of each transaction in U.S.dollars if the transaction does not involve a currency conversion
Penalty Fees Late Payment: Over-the-Credit Limit: Returned Payment: · Up to $30.00 if your payment is late 10 days or more None Up to $30.00 if your payment is returned for any reason
How We Will Calculate Your Balance:We use a method calledaverage daily balance (including new purchases).
