Credit Card Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Platinum Mastercard
0.00% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, or if you do not qualify for the Introductory APR, your APR will be 13.49% to 29.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Mastercard
0.00% Introductory APR, for qualifying members, for a period of 12 billing cycles. 
After that, or if you do not qualify for the Introductory APR, your APR will be 16.49% to 31.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Mastercard
24.24%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Platinum Mastercard
0.00% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, or if you do not qualify for the Introductory APR, your APR will be 13.49% to 29.24% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Mastercard
0.00% Introductory APR, for qualifying members, for a period of 12 billing cycles.
After that, or if you do not qualify for the Introductory APR, your APR will be 16.49% to 31.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Mastercard
24.24%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Platinum Mastercard
26.49% to 31.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Mastercard
26.49% to 33.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Mastercard
29.24%
This APR will vary with the market based on the Prime Rate.

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 any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card 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.
Transaction Fees
Balance Transfer Fee $10.00 or 3.00% of the amount of each balance transfer, whichever is greater
Cash Advance Fee $10.00 or 4.00% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee - Platinum Mastercard 3.00% of each transaction in U.S. dollars
Foreign Transaction Fee - Platinum Rewards Mastercard None
Foreign Transaction Fee - Secured Mastercard, First Step Mastercard 1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee: Up to $7.00
Over-the-Credit Limit Fee: Up to $25.00
Returned Payment Fee: Up to $25.00