Schumer Box Disclosure

Regulation Z (Truth in Lending) required disclosures for ZeroFee Credit Card

Interest Rates and Interest Charges

APR for Purchases

29.99% variable

Your APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. (APR = Prime + 21.74% margin; floor 19.99%.)

APR for Balance Transfers

29.99% variable

APR for Cash Advances

31.99% variable

Interest starts on the transaction date.

Penalty APR

None

We do not impose a penalty APR.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

Fees

Annual Fee

$0.00

Membership (Optional)

$9.99/month

Premium benefits (not required to open or maintain the credit account). Can be canceled anytime; membership fees are billed outside of interest charges.

Transaction Fees

Balance Transfer: 3% of each transfer (min $5)

Cash Advance: 5% (min $10)

Foreign Transaction: 0%

Penalty Fees

Late Payment: up to $25 (reasonable & proportional to costs)

Returned Payment: up to $25

How We Calculate Your Minimum Payment

Greater of $35 or 1% of new balance + billed interest + billed fees, rounded to the nearest dollar. Past due amounts are due immediately.

Other Key Terms

• We may obtain and use credit reports (Fair Credit Reporting Act - FCRA).

• You will receive a full Cardmember Agreement with additional terms.

• Variable APRs move with the Prime Rate; margins may change only as permitted by law and by the agreement.

• No surcharge will be added by participating ZeroFee merchants for purchases made on our rail.

How we will calculate your balance: Average Daily Balance (including new transactions).

Billing cycle: Monthly.

Apply Now View Full Agreement