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Product terms with exact source passages
Term	Value	Source
APR for purchases	15.50%–25% variableTOGETHER · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfers	—
APR for cash advances	—
Penalty APRafter a late or returned payment	—
Paying interestgrace period on new purchases	—
Annual fee	—
Transaction fees
Cash advance	—
Balance transfer	—
Foreign transaction	—
Penalty fees
Late payment	—
Returned payment	—
APR qualificationsPurchase · Regular	After the 12 month introductory period, the purchase rate applies; purchase rates range from 15.50%-25.00% as of 6/1/2025, based on underwriting. APR=Annual Percentage Rate. Rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.TOGETHER · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash signup bonus	$200 cash award. After $3,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. $200 rebate awarded if $3,000 in net spend is made in the first 90 days after account opening. Net Spend are purchases minus any credit/returns. Cash Advances do not earn rebates nor count as a purchase. Account must be open at the end of the 90 days for bonus rebate to be paid. This one-time promotion is limited to customers opening a new card in response to this offer and will not apply to requests to convert existing accounts. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor. Merchants self-select transaction categories and may be owned by other companies, therefore transactions may not be counted in the category you might expect.TOGETHER · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website