| Annual Percentage Rate (APR) for purchases | 0.00% introductory APR for six months. After that, your APR will be 14.49%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 10.49%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 14.49%. This APR will vary with the market, based on the Prime Rate. |
| APR for Balance Transfers | 0.00% introductory APR for six months. After that, your APR will be 14.49%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 10.49%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 14.49%. This APR will vary with the market, based on the Prime Rate. |
| APR for Cash Advances | 0.00% introductory APR for six months. After that, your APR will be 19.99%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 19.99%. This APR will vary with the market, based on the Prime Rate. | 0.00% introductory APR for six months. After that, your APR will be 19.99%. This APR will vary with the market, based on the Prime Rate. |
| Penalty APR and when it applies | None | None | None |
| 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. |
| 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 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. |
| Fees | Classic | Platinum | Rewards |
|---|
| Set up fees and maintenance fees | | | |
| Annual Fee | None | None | None |
| Card Replacement fee | $5 | $5 | $5 |
| Card rush fee | $35 | $35 | $35 |
| Transaction fees | | | |
| Balance transfer | None | None | None |
| Cash Advance | Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50) | Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50) | Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50) |
| Foreign Transaction | 1% of each transaction in U.S. dollars | 1% of each transaction in U.S. dollars | 0% of each transaction in U.S. dollars |
| Penalty fees | | | |
| Late Payment | $$15 | $15 | $15 |
| Returned Payment | $30 | $30 | $30 |
| Stop Payment Fee | $30 | $30 | $30 |
How Will We Calculate Your Balance? We use a method called “average daily balance (including new purchases and cash advances).” loss of introductory APR: You will lose your introductory APR if your account becomes delinquent or over the limit. For additional information about the costs and terms of the account, please see the Cardmember Agreement which will be sent to you with the card. The Cardmember Agreement and the account will be governed by Iowa and applicable federal law. The Cardmember Agreement, which includes rates and fees, is subject to change. This information is accurate as of 9/8/2022 and may change. For changes that may have been made, please call us at (866) 341-5195 or write us at Central Bank Bankcard Services, PO Box 10409, Des Moines, IA 50306. |
