Accounts & Services

Interest Rates and Interest Charges

Platinum

Platinum Rewards

Annual Percentage Rate (APR) for Purchases

Your APR will be 6.15%-14.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).

Your APR will be 9.15%-17.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).

APR for Cash Advances

Your APR will be 6.15%-14.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).
There is no grace period for cash advances.

Your APR will be 9.15%-17.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).

There is no grace period for cash advances.

APR for Balance Transfers

3.99% Introductory APR* for 6 months from the account open date. When the discounted period expires, your APR will be 6.15%-14.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).

3.99% Introductory APR* for 6 months from the account open date. When the discounted period expires, your APR will be 9.15%-17.15% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the “index”).

Minimum Interest Charge

$0.50

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board

To learn more about the factors to consider when applying for or using a credit card, visit www.federalreserve.gov/creditcard

Fees

Set-up and Maintenance Fees

• Annual Fee
• Account Maintenance Fee on Closed Accounts

None
None

Transaction Fees

• Cash Advance Fee
• Foreign Transaction Fee

1.5% of the amount of each cash advance, with a maximum of $50.
1.00% of the amount of the transaction in U.S. dollars

Penalty Fees

• Late Payment Fee
• Returned Payment Fee

$25
$27.50