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NPB Rewards Credit Card Disclosure

 
 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases Your APR will be 12.99% to 17.99%, based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Your APR will be 12.99% to 17.99%, based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Your APR will be 12.99% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 0%
Paying Interest Your due date is at least 25 days after the close of each billing cycle.

We will not charge you interest on purchases if you pay your entire balance by the due date each month.
We will begin charging interest on cash advances on the transaction date. You cannot avoid paying interest on Cash Advances.
For Credit Card Tips from the Consumer Financial Protection Bureau Learn more about factors to consider when applying for or using a credit card. Visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learn more.
 

Fees

Annual Fee None

 

 

Transaction Fees

Cash Advance Either $10 or 3% of the amount of each cash advance, whichever is greater.
Balance Transfer 3% (no min/no max) of the amount of each balance transfer.
Foreign Transaction 2% of the transaction amount in US dollars.

 

 

Penalty Fees

Late Payment Up to $25 will be assessed on the next statement date.
Return Payment Up to $35

 

 

Other Fees

Card Replacement Fee $10.00
Rush Card Fee $15.00
Retrieval Fee $10.00
Statement Reprint Fee $5.00
On Demand ACH Fee $5.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
See the REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details.

Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights is provided in the REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT.

NOTICE: Some of the set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum credit limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).


Complete NPB Credit Card Disclosure

 

 

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