Skip to content
Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Belmont Bank & Trust CompanyUltimate Credit CardRegistry illustration · issuer artwork unavailable

Ultimate Credit CardBelmont Bank & Trust Company · NM bank, FL · FDIC 58165

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer website
Download JSONAdd to compare
Purchase APR
10.74%–24.74%
variable
Balance transfer
10.74%–24.74%
variable
Cash advance APR
25.74%
variable
Annual fee
Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.
a year
Foreign fee
3%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases10.74%–24.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers10.74%–24.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances25.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Minimum interest charge$1.50Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Annual feeVariable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer5% of the amount, minimum $10, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction3% of the amount, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · RegularVariable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater.  Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award10,000 points. Spend $3,000 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Ultimate Card Bonus Points Offer. You will earn 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Points expire after three years. Redeem for travel, gift cards, merchandise and more.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Ultimate Card Bonus Points Offer. You will earn 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Points expire after three years. Redeem for travel, gift cards, merchan…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Purchase rewardsNot disclosed1 point per $1. See source conditions for eligible purchases.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Points expire 3 years from the accrual date. Redemption options: travel, gift cards, merchandise. Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards source conditionsPurchase rewards for every $1 spent and redeem for travel, gift cards, merchandise and more.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“for every $1 spent and redeem for travel, gift cards, merchandise and more.”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website