transaction date.
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 • Annual Membership Fee · $0
Transaction Fees
• Cash Advance • Foreign Transaction · Either 5% of the amount of each advance or $10 , whichever is greater. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
Penalty Fees
• Late Payment · Upto $35.00 .
• Return Payment · Up to $35.00 .
How We Will Calculate Balances: We use a method called 'average daily balance' (including new transactions). See How Do You Calculate the Interest Charge? below for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full details.
Note: Your credit card is not eligible for balance transfers.
Can You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by law, we will send you notice before doing so.
How Do You Calculate Variable Rates? Variable APRs disclosed above are based on the 6.75% Prime Rate as of 12/25/2025. Variable rates may change when the Prime Rate changes. We calculate variable rate by adding a percentage to the Prime Rate published in the Money Rates section of The Wall Street Journal on the 25th day of each month. If the Wall Street Journal is not published on that day, then see the immediately preceding edition. If Prime Rate changes, your new rate will take effect on your next billing cycle.
If the APR associated with a plan segment is variable, the APR will equal:
Purchase APR: Prime Rate plus a margin of 2.49% to 24.99%. Max APR is 35.99%. Cash
Advance APR: Prime Rate plus a margin of 5.49% to 26.24%. Max APR is 35.99%.
If you do not have a minimum payment due during any one or more of the next six consecutive months after a Penalty APR is imposed, we will consider the payment made for that month for purposes of your eligibility for a decrease from the Penalty APR for making the next six minimum monthly payments after the rate increase.
Any increase in the Prime Rate may increase your interest charges and your minimum payment.
What Are the Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is 0.025% to 0.087%. The daily periodic rate for your Cash Advance APR is 0.034% to 0.09%. If a Penalty APR is imposed, the daily periodic rate for all balances will be 0.099%.
How Can I Avoid Paying Interest Charges? If you pay your statement's 'New Balance' in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without interest charges but fail to pay your next 'New Balance' in full, we will charge interest on the unpaid balance.
For cash advances, we will start charging interest on the transaction date.
How Is the Interest Charge Applied? Interest charges accrue from the (1) date of the transaction; (2) date the transaction is processed; or (3) first calendar day of the billing cycle. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire 'New Balance' one month but did not do so for the previous month. Unpaid interest charges are added to the applicable transaction type (e.g., purchase or cash advance) of your account. However, we reserve the right to not assess interest charges at any time.
