Low Interest Rates
11.95% Standard Annual Percentage Rate for Purchases, Cash Advances, & Balance Transfers
Earn points on every purchase. One point for every $1 spent. Redeem points on travel, merchandise, or apply them to your bill.
You'll also receive discounts on prescriptions, vision care, and car rentals!
|Purchase APR||APR for Cash Advances||Annual Fee|
|11.95% Standard APR based on your credit worthiness.||11.95% Standard APR based on your credit worthiness.||$30|
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||11.95% Standard APR based on your credit worthiness.|
|APR for Balance Transfers||11.95% Standard APR based on your credit worthiness. This standard annual percentage rate (APR) will vary with the market based on the Prime Rate.|
|APR for Cash Advances||11.95% Standard APR based on your credit worthiness. This standard annual percentage rate (APR) will vary with the market based on the Prime Rate.|
|Penalty APR and When It Applies||
18.95% This APR may be applied to your account if
|Paying Interest||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. We will begin charging interest on cash advances on the transaction date.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $0.00|
|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|
|• Balance Transfer||None|
|• Cash Advances||None|
|• Foreign Transaction||Up to 1%|
|• Late Payment||$25.00|
|• Returned Payment||None|
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. All contents including rates, fees and premiums are accurate at the time of printing. For changes that may have been made after printing, please call Merchants and Planters Bank at (870) 523-3601.