TRAVEL, MERCHANDISE, GIFT CARDS, AND MORE - YOU NAME IT, YOU'VE GOT IT WITH THIS REWARDS CARD!
uChoose Rewards Loyalty Program
Earn points towards Cash back, Merchandise, Travel and Gift Cards
$0 Annual Fee
Keep more of your money
Annual Percentage Rate
APR (For purchases, balance transfers, and cash advances): 8.25% (prime + 5%)
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|8.25% Variable (Wall Street Journal “Prime Rate” + 5%)||8.25% Variable (Wall Street Journal “Prime Rate” + 5%)||8.25% Variable (Wall Street Journal “Prime Rate” + 5%)|
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||
This APR will vary with the market based on the Wall Street Journal Prime Rate plus 5%.
|APR for Balance Transfers||
APR for Cash Advances
Activation of Cash Advance functionality is subject to prior approval
|Paying Interest||The due date is at least 28 days after the close of each billing cycle. We will not charge any interest on purchases and balance transfers if the entire balance due is paid by the due date each month. We begin charging interest on cash advances on the transaction date.|
|Penalty APR and When It Applies||18.00% FIXED|
|The Penalty APR may be applied to your account if you : 1) Make a late payment; 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $1.|
|Annual Account Fee||None|
||4% of the amount of each transaction, but not less than $10.|
||No fee for transfer of balance from another credit card.|
||1% of the transaction amount, in U.S. Dollars.|
||Up to $35 assessed 10-days after payment due date.|
||Up to $35.|
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called "average daily balance (including new purchases)." See your card Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your card Agreement. If an account is opened, a Business Credit Card Agreement will be provided with each card issued. Please read and retain the Agreement, the Card Carrier containing the card, and any other documents that are received with the card.