Tompkins Trust Company College Rewards Visa 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:

None

N/A

Intro Period:

None

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

Unknown

Default/Penalty Margin:

Unknown

Default/Penalty APR Floor:

Unknown

Maximum Default APR:

Penalty/Default Trigger:

Unknown

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

See Special Notes

Over-the-limit Fee:

Up to $35 max.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Earn one point for every net purchase dollar. Redeem rewards with as few as 1500 points. Select from a wide variety of reward options on travel, cash, gift certificates, merchandise or through their Choose Your Own Rewards program, you can redeem points for any card purchase. Earn 1,000 bonus points upon first use of the card.

Special Notes:

Applicant must be at least 18 years of age, have a US address, a Social Security number, and be attending a 2 or 4-year college. Your due date is 24 - 30 days after the close of each billing cycle. Card company will not charge you interest on Purchases if you pay your entire balance by the due date each month. Foreign transaction fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in US Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on Purchases if you pay your entire balance by the due date each month. Not all products offer overdraft protection. Returned payment fee is up to $35. Late payment fee is up to $35. Over the limit fee is up to $35. Balance Transfer fee is either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance fee is either $10 or 4% of the advance amount, whichever is greater.

Card Issued By:

Elan Financial Services for Tompkins Trust Company

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Classic/Standard

Card Category:

Airlines, Balance Transfer, Cash Back, Reward, Student

States Available In:

ALL