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The Shelby County State Bank
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | Not disclosed | |
| Annual fee | No annual feeThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | 5% of the amount, minimum $10, of 5% (minimum $10) applies to each balance transfer you make.The Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Qualifying purchasesNot disclosed | 1 point per $1. See source conditions for eligible purchases.The Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards conditionsQualifying purchases | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1x point per $1 spentThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsQualifying purchases | Earn rewards on every purchases, while you build your credit.The Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsQualifying purchases | See the Rewards Terms and Conditions in the Summary of Credit Terms link for each rewards card product above for details, including earning, redemption, expiration, and forfeiture (subject to applicable law).The Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |