MasterCard Rates

MasterCard Rates

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases8.99%, 9.90%, 13.80%, 16.99% or 18.99%*
APR for Balance Transfers8.99%, 9.90%, 13.80%, 16.99% or 18.99%*
APR for Cash Advances8.99%, 9.90%, 13.80%, 16.99% or 18.99%*
Penalty APR and When it AppliesNone
How to Avoid Paying Interest on PurchasesYour due date is at least 25 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 ChargeIf you are charged interest, the charge will be no less than $0.
For Credit Card Tips from the Consumer Financial Protection BureauTo 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 FeeNone
Transaction Fees
Balance Transfer$5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance$5 or 3% of the amount of each cash advance, whichever is greater.
Foreign TransactionUp to 1.50% of each transaction in U.S. Dollars
Penalty Fees
Late PaymentUp to $20
Over-the-Credit LimitNone
Returned PaymentUp to $25

*APR = Annual Percentage Rate. These are fixed rates. Annual Percentage Rate will be determined by the individual's credit score as reported by a credit reporting agency.

How we Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Credit Card Agreement and Disclosures for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.