0% INTRODUCTORY APR
For the first six billing cycles following the opening of your account. After that, 12.74%- 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
WORLDWIDE ACCEPTANCE
Enjoy uncomplicated purchasing around the globe and online. Also, you’ll enjoy zero liability protection, ID theft resolution assistance and, with our Mastercard Platinum Rewards, you can earn 1% cash back on everyday purchases.
Mastercard Platinum
- Zero Liability Protection
- ID Theft Resolution Services
- Mastercard Global Emergency Services
Mastercard Platinum Rewards
- Earn 1% cash back for everyday purchases that can be used for statement credit, gift cards, or a direct deposit into your checking account.
- Zero Liability Protection
- ID Theft Resolution Services
- Mastercard Global Emergency Services
Terms and Conditions
| Interest Rates and Charges | |
| Fees | |
| Annual Percentage Rate (APR) for Purchases | Platinum: 12.74% - 18.00% | Platinum Rewards: 16.74% - 18.00%based on your credit worthiness; the APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Balance Transfers | 18.00% based on your credit worthiness; the APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Cash Advances | 18.00% based on your credit worthiness; the APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each bulling cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| 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. |
| Annual Fee | None |
| Transaction Fees | |
| 3.00% of the amount of each balance transfer |
| 4.00% of the amount of each cash advance |
| 1.50% of each transaction in U.S. dollars |
| Penalty Fees | |
| $15 maximum |
| None |
| $25 maximum |
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
Effective Date. The information about the costs of the card described in this disclosure is accurate as of October 30, 2025. This information may have changed after that date. To find out what may have changed, contact b1BANK.
