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Associated Bank
| Term, in the disclosure's order | Value | Page |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory | 0%Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 |
| 16.24%–25.24% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 | |
| APR for balance transfersintroductory rate first | ||
| Introductory | 0%Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 |
| After | 16.24%–25.24% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 |
| APR for cash advances | 30.49% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 |
| Penalty APRtrigger or duration not fully resolved | 30.74% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 1 |
| Paying interestgrace period on new purchases | ||
| 24 days–30 days from the close of each billing cycle | — | |
| Purchase interest conditions | 0% introductory purchase APR for the first 18 billing cycles. Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | — |
| Minimum interest charge | $1 | — |
| How we calculate your balance | Average daily balance including new purchases | — |
| Balance transfers and Flex Plansavailability | 0% introductory balance-transfer APR for the first 18 billing cycles for balances transferred within 558 days of account opening. An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 558 days of account opening. After that, Either 5% of the amount of each transfer or $5 minimum, whichever is greater. Balance transfer transactions from other Elan Financial Services accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing. Introductory APR may end for late/returned payment or overlimit. Public Associated Bank offer 49P774QPB8; other Elan partners may differ. | — |
| Annual fee | $0Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | — |
| Transaction fees | ||
| Cash advance | 5% of the amount, minimum $10, ATM, other cash advance and cash equivalent advance: 5%, $10 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Cash advance | 5% of the amount, minimum $5, Convenience check cash advance: 5%, $5 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Balance transfer | 3% of the amount, minimum $5, Introductory fee for transfers within 558 days of account opening; then 5%, $5 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Balance transfer | 5% of the amount, minimum $5, After the introductory fee window: 5%, $5 minimum per transfer.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Foreign transaction | 3% of the amount, 3% of each foreign transactionAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Penalty fees | ||
| Late payment | $41, Late Payment: $41Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Returned payment | $40, Returned Payment: $40Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Other fees | ||
| Card ExtendPay | up to 1.60% — for installment plans — Monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay plan; exact fee disclosed on enrollment.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Overdraft Protection | $0, No overdraft protection fee in this Associated Bank public disclosure; not universal across Elan partners.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Over limit | $39, Overlimit: $39Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | p. 2 |
| Balance transfer terms | ||
| Transfer window | within 558 days of opening the accountAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | — |
| Grace period on transfers | NoAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026 | — |