Rewards Platinum Credit Card
Information on this disclosure was accurate as of March 31, 2026. This card will be issued and administered by TCM Bank, N.A. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, please write to: TCM Bank, N.A., P.O. Box 105666 Atlanta, GA 30348-5666. Each applicant must be at least 18 years of age.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 0% Introductory APR applies for twelve billing cycles from date of account opening. After that, your APR will be 16.74% to 26.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
APRfor Balance Transfers · 0% Introductory APR applies for twelve billing cycles from date of account opening. After that, your APR will be 16.74 to 26.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
APRfor Cash Advances · 26.74% to 28.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest on Purchases · Your due date is at least 23 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00.
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
Annual Fee · None
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · Either $5 or 3% of each balance transferred, whichever is greater. Either $5 or 3% of each cash advance, whichever is greater. 1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.
Penalty Fees • Late Payment • Over-the Credit Limit • Returned Payment · Upto $41. None Up to $41.
Paper Statement Fee · $2.50 per month.
How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new purchases).'
Loss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance Transfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.
