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  • Personal Credit Cards

    0% Introductory APR

    for the first 6 billing cycles following the opening of your account. After that, 8.99%-18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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Personal Credit Cards Overview

Mastercard Platinum

  • Zero Liability Protection
  • ID Theft Resolution Services
  • Mastercard Global Emergency Services

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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: 8.99% | Platinum Rewards: 12.99%

    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 Advances
    18.00% 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 Transaction
    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
    • Late Payment
    • Over-the-Credit-Limit
    • Returned Payment Fee
    $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 November 4, 2021. This information may have changed after that date. To find out what may have changed, contact b1BANK.