CREDIT CARDS

Mastercard® Black Card

Sign-up Bonus

None.

REWARDS RATE

Earn one point for every $1 spent on purchases. You can redeem your points at a rate of 2% for airfare and at 1.5% for cash back.

INTRO APR

None.

ANNUAL PERCENTAGE RATE (APR)

16.49% (variable)

ANNUAL FEE

$495

CREDIT REQUIRED

Excellent

Rate & Fee Information

Intro Purchase APR

None.

Regular Purchase APR

16.49% (variable)

Balance transfers allowed?

Yes.

Intro Balance Transfer APR?

0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 16.49%.

Regular Balance Transfer APR?

16.49% (variable)

Balance Transfer Fee?

3% with a minimum of $5.

Foreign Transaction Fee?

None.

Late Payment Fee?

Up to $37

Cash Advance Fee?

5% of each advance with a minimum of $10.

Cash Advance APR?

26.74% (variable)

Returned Payment Fee?

Up to $37