Effective date: March 28, 2023
Rates, Charges & Fees
| Platinum Mastercard | Platinum Cash Rewards Mastercard | |
|---|---|---|
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| Interest Rates & Interest Charges | ||
| Annual Percentage Rate (APR) for Purchases |
12.74% to 21.74% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate as published in the Wall Street Journal. |
16.74% to 24.74% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate as published in the Wall Street Journal. |
| Other APRs |
Balance transfer APR: Cash advance APR: The APR may change periodically based on the Prime Rate, plus a margin, as published in the Wall Street Journal. |
Balance transfer APR: Cash advance APR: The APR may change periodically based on the Prime Rate, plus a margin, as published in the Wall Street Journal. |
| 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 your purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| Minimum Interest Charge | None | None |
| Credit Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/ |
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| Fees | ||
| Annual Fee | None | None |
| Transactions Fees: | ||
| Balance Transfer | None | None |
| Cash Advance | None | None |
| Foreign Transaction | 1.10% of each foreign transaction in U.S. dollars. | |
| Penalty Fees: | ||
| Late Payment | $10 when payment is 10 days or more late. | |
| Rejected Convenience Check |
$23 | |
| Returned Payment | Up to $20 | |
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
