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The Shelby County State Bank
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | Not disclosedThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR for balance transfersintroductory rate first | Not disclosedThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | Not disclosed | |
| Annual fee | Not disclosedThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Purchase · Introductory | Enjoy an introductory rate for 12 billing cycles on purchases and balance transfers.The Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Qualifying purchasesNot disclosed | 1.5 points 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. Unlimited 1.5x points per $1 spentThe Shelby County State Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsQualifying purchases | Every business purchase.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 available when you apply 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 |