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Do you know what is a Prime Rate? |
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The Prime Rate is the Index used to calculate the interest rate on your account. For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest Prime Rate published in The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change.
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What is a Variable Rate?
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A variable rate is a rate that can change because it is based on an Index. In the case of a major credit card, the Index is the Prime Rate. The Index is added to the Spread to determine the Annual Percentage Rate. For example, if the Prime Rate is 9%, and the Spread is 9.99%, the Variable Rate would be an 18.99% Annual Percentage Rate.
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What is a Default Rate?
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The Default APR is the rate charged on your entire Account Balance if your Minimum Payment is received and posted after the Payment Due Date, you exceed your credit limit , or you are otherwise in default under the terms of the Cardmember Agreement and Disclosure Statement.
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What is a Cash Advance? |
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A cash advance is a withdrawal against the available credit on your credit card account and are all advances made by cash advanced over the counter, through an ATM, by check or other "cash-like" transactions. There is no grace period when you obtain a cash advance and finance charges begin to accrue on the transaction date. Cash advance amounts may be limited. Usually, there is a Cash Advance APR.
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Chase Platinum
0% Introductory APR for up to 12 months on all purchases and balance transfers*
No Annual Fee
Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges
Apply now!
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Chase Perfect Card
0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases
Apply now!
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Blue from American Express
0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 4.99%
No annual fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Choose to carry a balance or pay in full
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Express Approval. Get a decision in less than 60 seconds.
Apply now!
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Clear from American Express
0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards
Apply now!
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Blue Cash from American Express
No annual fee
Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards
Flexibility to pay over time
"0% Intro APR for 6 months."
Online application approval decisions in under 60 seconds
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Go To Rate: Prime + as low as 4.99%
Express Approval. Get a decision in less than 60 seconds.
Apply now!
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TrueEarnings Card from Costco and American Express
Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.1
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
Apply now!
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Discover More(SM) Card
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
Apply now!
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Discover More(SM) Card - Clear
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
Apply now!
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Discover Motiva(SM) Card
3.9% Intro APR*
Automatically get a Pay-On-Time BonusSM equal to a full month's interest each time you make 6 on-time payments in a row - twice a year, every year
5-20% Cashback Bonus* at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from over 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
Free payment by phone
Timely e-mail reminders that help you avoid fees
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
No annual fee
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
Apply now!
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BP Visa Rewards Card
Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases
Apply now!
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Discover More(SM) Card - Wildlife Collection
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Wildlife Card Design
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
Apply now!
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Discover More(SM) Card - Sealife Collection
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Sealife Card Design
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
Apply now!
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Orchard Bank Classic MasterCard
The Orchard Bank MasterCard is a great card to help you rebuild your credit and is loaded with built-in benefits to help you manage your account. Get pre-qualified in less than 60 seconds for a card that fits your credit profile, at no risk to your credit score.
Reporting to major credit bureaus providing opportunity to rebuild credit
Your choice of payment due dates to fit your schedule
Free Standard Bill Pay and online account management tools
Periodic credit limit increase reviews to strengthen your buying power
E-alerts to your email or cell phone to remind you when a payment is due
You could also qualify for a Platinum, Gold or Secured card
Apply now!
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Bank of America PetRewards Visa
0% Intro APR for first six billing cycles.
No Annual Fee
Put your pet's picture on your card
Earn points toward veterinary services, pet food discount certificates, and shelter donations
Apply now!
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BoatU.S. WorldPoints Platinum Plus Visa
Card issued by Bank of America, N.A. (USA)
Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash§
Access to the MyConciergeSM service, a unique personal assistance service**
Absolute fraud protection against unauthorized use, online and offline
No annual fee
Apply now!
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