ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES

17.24% – This APR will vary with the market based on the Prime Rate.

APR FOR BALANCE TRANSFERS

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 17.24%. This APR will vary with the market based on the Prime Rate.

APR FOR CASH ADVANCES

27.49% – 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 23 days after the close of each billing cycle. We will not charge you 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

ANNUAL FEE

$995 ($295 for each Authorized User added to the account)

TRANSACTION FEES

  • Balance Transfer – Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance – Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction – 0% of each transaction in U.S. dollars.

PENALTY FEES

  • Late PaymentUp to $37 (the amount of the fee varies by state, see below)
  • Returned Payment – Up to $37 (the amount of the fee varies by state, see below)

How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”.

IMPORTANT INFORMATION ABOUT THE MASTERCARD GOLD CARD CREDIT CARD PROGRAM

Offers may vary.

Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

Agreement: The use of any account opened in connection with this offer will constitute acceptance of and will be subject to the Cardmember Agreement that will be sent to you. The APRs, fees, and other account terms, as well as the benefits and features associated with the account are subject to change to the extent permitted by law.

Your Telephone Numbers: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize us and our affiliates and agents, to contact you at that number about your account or other products or services, and to use an automated dialing service, pre-recorded message or text message. Standard text messaging and/or calling charges may apply.

About This Offer: You must be at least 18 years of age. This offer is available to applicants worldwide. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may be unable to open an account for you. Please review the materials provided with your card for details.

About Your Credit Report: Only for Credit Card applicants :You agree that we have a right to obtain a credit report in connection with our review of your application, and if we establish an account for you, to administer your account. You agree that we may report to others our credit experience with you. If you ask, we will tell the names and addresses of any credit bureaus from which we obtained a report about you.

About the Variable APRs on Your Account: We use the highest Prime Rate listed in the The Wall Street Journal on the last business day of each month. For the non-promotional purchase and balance transfer APR, we add 11.74% to the Prime Rate. For the cash advance APR, we add 21.99% to the Prime Rate. See your Cardmember Agreement for more detail.

Important Information About Procedures for Opening a New Account: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for country of citizenship.

Avoiding Interest on Purchases: We will not charge you interest on any purchases if you pay your entire balance by the due date each month. In addition, during this introductory period we will not charge you interest on purchases if you pay by the due date each month your outstanding statement balance minus any new 0% introductory APR Balance Transfer balances. To avoid a late fee, you should pay at least the minimum payment due on your account each month.

Credit Limit: We do not permit applicants to request a specific credit limit. We do not consider a request for a balance transfer made with an application to be a request for a particular credit limit. We determine the credit limit on your account independent of and prior to processing any balance transfer request.

Cash Equivalent Purchases: The purchase of money orders, travelers’ checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see your Cardmember Agreement for details.

Express Delivery: If you are approved for an account your card will be sent via FedEx delivery after your account is opened. Delivery will be made only to your home address and a signature is required. If you added an additional card user(s) on your application the additional card(s) cannot be expressed delivered.

The information contained in these disclosures is accurate as of 12/31/2018 and may change after this date.

We reserve the right to correct inaccurate rewards values represented on statements or our website, at our sole discretion.

CUSTOMER SERVICE

If you have any questions about the Program, please contact the customer service number on the back of your Card.