Tompkins Trust Company Visa Signature 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:

6 billing cycles

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:

$0 min.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Unlimited 1% cash back. Earn one point for every dollar spent. Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit. Roundtrip airline ticket at 25,000 points. Redeem for travel on any airline without frequent flyer program restrictions. The richest travel, gift certificates, and merchandise rewards.

Special Notes:

Applicant must be at least 18 years of age and have a US address and Social Security number. Due date is 24 - 30 days after the close of each billing cycle. The card issuer 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. Not all products offer overdraft protection. Returned payment fee is up to $35. Late payment fee is up to $35. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater for the first 6 billing cycles. After that, 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. No pre-set spending limit. This means that individual transactions are authorized by Elan Financial Services based on factors such as account history, credit report, and payment resources. Elan Financial Services will pre-set an upper limit for revolving balances and cash advances.

Card Issued By:

Elan Financial Services for Tompkins Trust Company

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Signature

Card Category:

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

States Available In:

ALL