Credit Card Disclosures

Interest Rates and Interest Charges

Fees

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” This balance is figured for Purchases, for Balance Transfers, and for Cash Advances, separately, by adding the outstanding balance (including current transactions and deducting payments, credits, unpaid interest charges, and unpaid fees) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.

Loss of Introductory APR: We may end your introductory APRs and apply the Penalty APR if you make a late payment.

¹The term “account opening” means the date that the account is entered on our processor’s system which is typically one to two days after we receive your signed application.

²The APR is determined by adding "The Margin" to the "Prime Rate." The Margin differs for Purchases and Cash Advances as follows:

³The "Prime Rate" is the prime rate published in the "Money Rates" column of The Wall Street Journal on the computation dates. The computation dates will be December 1, March 1, June 1, and September 1 (or if such dates do not fall upon a business day, the first publication day thereafter).  The maximum APR and penalty APR for Purchases and Cash Advances is the greater of 29.99% or the maximum rate permitted by law.

⁴The penalty APR is determined by adding the "Margin" to the "Prime Rate." The "Margin" differs for Purchases and Cash Advances as follows:

The Annual Percentage Rates above were in effect within the past (thirty) 30 days and apply to a new credit card account opened by December 31, 2025. An “account opened” means the date the account is entered on our credit card system which typically is one to two business days after you submit your application.