Platinum MasterCard® and Onyx MasterCard® Credit Card Disclosure


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Platinum:  11.90%

Onyx:  7.75%


based on your credit worthiness and other factors.

APR for Balance Transfers*

Platinum:  11.90%

Onyx:  7.75%

APR for Cash Advances

Platinum:  11.90%

Onyx:  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




Annual Fee


Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


1% of the balance transfer amount, $5 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)".