Credit Card Rates

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 APRs are based on the 3.50% Prime Rate on 12/1/2016. 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: