Earn 1 reward point for every $1 spent on your World Mastercard®, with opportunities to earn up to 12x the points on online purchases. Redeem your points for merchant gift cards, Mastercard® gift cards, cash back+, quality brand-name merchandise, travel, and more.
Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases |
0.00% introductory APR for six (6) months. After that, your APR will be 14.24% to 23.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers |
14.24% to 23.24% Your APR will be based on your creditworthiness. |
APR for Cash Advances |
27.24% This APR will vary with the market based on the Prime Rate. |
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 and balance transfers on the transaction date. |
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $1.50 |
For Credit Card Tips from the Consumer Financial Protection Bureau |
To 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/learnmore |
Fees |
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Annual Fee |
None |
Transaction Fees |
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Balance Transfer |
Either $10 or 4% of the amount of each transfer, whichever is greater. |
Cash Advance |
Either $10 or 4% of the amount of each cash advance, whichever is greater. |
International Transaction |
1% of each transaction once converted into AUS.dollars |
Penalty Fees |
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Late Payment |
Up to $25 |
Over-the-Credit Limit |
None |
Returned Payment |
Up to $25 |
Call us 24 hours a day, 7 days a week as soon as you realize your card is lost or stolen.
Equal Housing Lender. Member FDIC.
