Personal Credit Cards Overview
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.
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Terms and Conditions
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Platinum: 14.24% | Platinum Rewards: 17.99%
based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate. Annual Percentage Rate
(APR) for Cash Advances18.00% based on your creditworthiness; 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 billing 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.Fees Annual Fee None Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction3.00% of the amount of each balance transfer
4.00% of the amount of each cash advance
1.50% of each transaction in U.S. dollarsPenalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Payment Fee$15 maximum
None
$25 maximumHow 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 July 26, 2023. This information may have changed after that date. To find out what may have changed, contact b1BANK.
