0% introductory APR for the first 6 billing cycles.
0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening.
6 billing cycles
6 billing cycles
Finance Calculation Method:
Average Daily Balance (including new purchases)
28.99% (variable); If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
Default/Penalty APR Floor:
This APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once, make a payment that is returned, or if you exceed your Credit Limit 2 times in 12 consecutive months.
Credit Card Fee Information:
$50 for the first year and every year after it will be $50 for Account Owners and $0 for Authorized Employees
Foreign Transaction Fee:
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
$19 on balances up to $100, $29 on balances from $100 up to $250, $39 on balances of $250 or more
Up to $39
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Earn 1 point for every net $1 you spend. Get a 50% bonus on all points earned every month, automatically. No caps or limits on the points you can earn, plus you have five years to redeem points for rewards. $50 cash back with your first purchase. Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
Applicant must be 18 years of age and have a U.S. address and Social Security Number. Convenience Check Cash Advance Fee: Either 3% of the amount of each advance or $5 minimum, whichever is greater. Cash Advance ATM Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater. Cash Equivalent Advance Fee: Either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: Up to $35.
Credit Card More Information:
Card Issued By:
Elan Financial Services for NBT Bank
General Correspondence Address:
PO Box 6354
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:
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