Annual Percentage Rate (APR) for Purchases · 35.99%
How to Avoid Paying Interest · Your due date is at least 21 days after the close of each billing period. We will not charge you interest on purchases i f you pay your entire balance by the due date each month. I f you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row.
Minimum Interest Charge · I f you are charged interest, the charge will be no less than $3.00.
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
Set-up and Maintenance Fees • Annual Fee • Paper Statement Fee · None Up to $35.88 annually ($2.99 each month in which your balance is greater than $3.50 and a paper billing statement is mailed to you; you can avoid this fee each month you are enrolled in paperless statements on the last day of a billing period)
Penalty Fees • Late Payment • Returned Payment · Up to $41.00 Up to $41.00
How We Will Calculate Your Balance: We use a method called 'daily balance (including current transactions).' Review your Agreement for more details.
Billing Rights: I n f o r m a t i o n o n y o u r r i g h t s t o d i s p u t e t r a n s a c t i o n s a n d h o w t o e x e r c i s e t h o s e r i g h t s i s provided in your Agreement.
Wisconsin Residents: I f you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact Us section below and give us your spouse's name and address. Print Date: This Summary was printed January 2026. The information was accurate as of that date but may have changed. To find out more, contact us at the General mailing address or phone number in t h e H o w t o C o n t a c t U s s e c t i o n b e l o w.
I s s u e r N a m e : Your Card is issued by Comenity Bank.
