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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account.
After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account.
(APR) for BalanceTransfers 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account.
After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account.
(APR) for Cash Advances 18% APR for Cash Advances.
Penalty APR and When it Applies Variable rate up to 18% based on your creditworthiness. This APR may be applied to your account if you:
1) Make a late payment;
2) Go over your credit limit twice in a six-month period;
3) Make a payment that is returned

How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • ISA Fee



Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge.

$5.00.

0% of the transaction amount.

0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands.

Penalty Fees

  • Late Payment
  • Over the Credit Limit
  • Returned Payment



Up to US$39.


None


Up to US$39.
Other Fees

  • Rush Order Delivery
  • Document Fee



Domestic (within the USA) $25; International $45.


If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed.

How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.

Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.