Average Consumer Ratings:


No ratings available for this card.



Be the first to rate!


Garden State Community Bank GraphiteSM American Express® Card


Credit Card Rate Information:

 
Purchase
Balance Transfer
Cash Advance

Index:
 prime
 
 
Margin:
 10.74 - 16.74
 10.74 - 16.74
 21.99
APR:
  13.99% - 19.99% Variable
 13.99% - 19.99% Variable
 25.24% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 billing_cycles
 12 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
 
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 This APR may be applied to your account if you make a late payment or make a payment that is returned.
Credit Card Fee Information:

Annual Fee:
 $99
Foreign Transaction Fee:
 None
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
5% ($10 min. )  


Notes:

Rebate Description:
 Enjoy exclusive Travel Privileges everywhere you go. Earn 3% cash back on qualifying airline purchases, 2% cash back on qualifying gas and grocery purchases and 1% on all other qualifying purchases.
Special Notes:
 APRs for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; After that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%; If your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: None. Returned Payment Fee: Up to $35.
Card Issued By:
 First Bankcard, a division of First National Bank of Omaha for Garden State Community Bank
General Correspondence Address:
 
Card Type:
 American Express
Card Class:
 Other
Card Category:
 
States Available In:
 NJ
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 



E-Mail will not be published












*The credit card information displayed here has been collected by CardRatings.com and has not been reviewed or provided by the issuer of this card.

Other cards you may be interested in:

Consumer Reviews


  1. No reviews available for this card. Be the first to review!