Rates, Charges & Fees

Effective date: October 1, 2019

  Platinum Mastercard Platinum Cash Rewards Mastercard
  Platinum Mastercard credit card

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Platinum Cash Rewards Mastercard credit card

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Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 9.74% to 18.74% 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. 13.74% 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.
Other APRs

Balance transfer APR:
9.74% to 18.74% based on your creditworthiness when you opened your account.

Cash advance APR:
9.74% to 18.74% based on your creditworthiness when you opened your account.

The APR may change periodically based on the Prime Rate, plus a margin, as published in the Wall Street Journal

Balance transfer APR:
13.74% to 21.74% based on your creditworthiness when you opened your account.

Cash advance APR:
13.74% to 21.74% based on your creditworthiness when you opened your account.

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/
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