|Interest Rates and Interest Charges
|Annual Percentage Rate (APR) for Purchases
Platinum: 13.49% | Platinum Rewards: 17.24%
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
• 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
• Late Payment
• Returned Payment Fee
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 February 2, 2022. This information may have changed after that date. To find out what may have changed, contact b1BANK.