MasterCard® and Gold MasterCard® Credit Card Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Standard:  11.90%

Gold:  7.75%

 

based on your credit worthiness and other factors.

 

 

 

 

 

 

APR for Balance Transfers*

Standard:  7.75%

Gold:  4.75%

APR for Cash Advances

Standard:  11.90%

Gold:  7.75%

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 each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

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 Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

 

 

Fees

Annual Fee

       None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

1% of the balance transfer amount, $5.00 minimum

$1 per transaction for cash advances at an ATM

1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment

 

Up to $10

Up to $20

How we will calculate your balance:  We use a method called "average daily balance (including new purchases)".


*Promotional rate of 4.75% APR on Gold and 7.75% APR on Standard from the date of the first transfer for balance transfers only. After the promotional period ends, the standard APR will be applied to unpaid promotional balances. (The variable APR for purchases and cash advances on Gold is 7.75% and 11.90% for Standard.) Minimum interest charge - $0.50. Fee for foreign purchases - 1% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee - $1 per transaction for cash advances at an ATM. Balance transfer fee - 1% of balance transfer amount, $5 minimum. Subject to credit approval. Additional limitations, terms and conditions apply. Restrictions may apply.