Steuben Trust Visa Platinum Business Rewards Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

20.74%

APR:

20.99% Variable

23.99% Variable

APR Floor:

None

Intro Rate:

0%

0.00%

N/A

Intro Period:

First 6 billing cycles

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

28.99%

Default/Penalty Margin:

Unknown

Default/Penalty APR Floor:

None

Maximum Default APR:

Penalty/Default Trigger:

The Penalty APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once; or make a payment that is returned; or if you exceed your credit limit 2 times in 12 consecutive months.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

See Special Notes

Over-the-limit Fee:

$39 min.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Earn unlimited 1% cash back and 1 reward point for each dollar of "net purchases" charged to your card. Earn double points on gas, rewards, and telecom. Roundtrip airline tickets beginning at 25,000 points. Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.

Special Notes:

The Balance Transfer fee will be either $5 or 3%, whichever is greater, for the first 6 billing cycles. After that it will be either $10 or 4%, whichever is greater. The Foreign Transaction fee is 2% of each purchase or ATM advance transaction in US Dollars and 3% in foreign currency. There will be a Late Payment fee of $19 on balances up to $100, $29 on balances from $100-250, and $39 on balances of $250 or more. Grace Period: The due date is 24-30 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month.

Card Issued By:

Elan Financial Services for Alliance Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Platinum

Card Category:

Balance Transfer, Business, Cash Back, Low Interest, Low Intro Rate, Reward

States Available In:

ALL