CREDIT CARD AGREEMENT FOR BEST EGG VISA ® ACCOUNTS DISCLOSURE SUMMARY
There are two parts to this Credit Card Agreement: The Best Egg Disclosure Summary and the Best Egg Cardmember Agreement. The Disclosure Summary shows a table of applicable rates and fees as of December 31 , 2025. The Cardmember Agreement contains important information related to Visa consumer credit cards issued by Column, N.A. All terms, including fees and APRs for new transactions, are not guaranteed and may change in accordance with the Cardmember Agreement and applicable law based on information in your credit report, market conditions, business strategies, or for any other reason. Please review these terms so you are fully informed about this credit card offer.
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases · 33.99 % Fixed
APR for Cash Advances · 33.99% Fixed
How to Avoid Paying Interest on Purchases · 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 on the transaction date.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.50 .
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
Participation Fee · $ 4 (Monthly)
Application Fee · $0
Transaction Fees • Balance Transfers • Cash Advance • Foreign Transaction · $0 (currently not available) Either $10 or 5% of the amount of each cash advance, whichever is greater. $0
Penalty Fees • Late Payment • Overlimit • Returned Payment · $ 15 $0 Up to $3 5 .
How we calculate your balance: We use a method called Average Daily Balance (including new purchases), as more fully explained in the Interest Charges section of your Cardmember Agreement.
Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
Rewards: Best Egg may offer rewards or other incentives from time to time to new Best Egg cardmembers in connection with an application for a new account and to existing Best Egg cardmembers. You will find out more about these rewards or other incentive offers and any other terms at the time of the offer.
Cash Advance: 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. We will begin charging interest on cash advances on the transaction date.
Penalty Fees: Late fee is $15. Returned payment fee is $24 for the first item returned unpaid and $35 for each subsequent item returned unpaid. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.
Minimum Payment: We will calculate the minimum payment as: (1) any past due amounts; PLUS (2) the larger of: (a) $29 (or total amount you owe if less than $29); or (b) the sum of: (i) 1% of the new balance, PLUS (ii) any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated.
TERMS & CONDITIONS
You have read the accompanying application, and you affirm that everything you have stated is true and complete. You are of legal age to enter into a contract in the state in which you reside. Currently Best Egg Credit Cards are not available in the following locations: WV, IA, VT, and Washington, D.C. You authorize Column / Best Egg Credit Card (hereinafter 'we', 'us' or 'our') to obtain your credit report(s), employment history and any other information in order to approve or decline this application, service your Account, and manage our relationship with you. Upon request, we will tell you the name and address of any consumer reporting agency that provided such report(s) to us. You authorize us to share with others, in accordance with our privacy notice, such information and our credit experience with you. In addition, you may, as a customer, later indicate a preference to exempt your Account from some of the informationsharing with other companies ('opt-out'). If you accept or use an Account, you do so subject to the terms of this application, this Disclosure Summary, and the Cardmember Agreement, as it may be amended; you also agree to pay all charges incurred under such terms. Any changes you make to the terms of this application will have no effect. You accept that on a periodic basis your Account may be considered for an automatic upgrade at our discretion. You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your phone conversations with any of our representatives. You further consent to our use of automatic dialers, text, or prerecorded messages for servicing your Account even if the telephone number is a mobile telephone number for which the called party is charged. If additional development is necessary based on the application information provided, we will make every attempt to contact you.
The information in this offer is accurate as of December 3 1 , 2025 and is subject to change without notice.
PRESCREEN & OPT-OUT NOTICE
