Mastercard® World Credit Card

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for six (6) statement cycles after account opening.

After that, your APR will be 12.24% to 21.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 12.24%  to 21.99%  
Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 24.99%
This APR will vary with the market based on the Prime Rate.
Paying Interest Your 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50
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 https://www.consumerfinance.gov/learnmore



Fees
Annual Fee None

Transaction Fees

Balance Transfer Either $10 or 4% of the amount of each transfer, whichever is greater.
Cash Advance Either $10 or 4% of the amount of each cash advance, whichever is greater.
International Transaction 1% of each transaction once converted into U.S. Dollars, 3% ONLY Cardâ„ 

Penalty Fees

Late Payment Up to $35 
Returned Payment Up to $35
 
The information about the costs of the card described in this is accurate as of 02/2021. This information may have changed after that date. To find out what may have changed, call us at (800) 445-9272 or write us at BankCard Services, P.O. Box 779, Jefferson City, MO 65102. For Military Lending Act Disclosure Information, please call (877) 331-2119.

How We will Calculate Your Balance: We use a method called “average daily balance" (excluding new purchases). 
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.
 
You may be considered for a different offer based on the information obtained in your application or in your credit report. We will review your credit history, income and current debt to determine your credit limit. If you meet the criteria, you will receive the Mastercard® World credit card. If you do not meet the criteria, you will receive the ONLY CardSM. Cards have different benefits.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who open an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.