With Rate Advantage, you will receive our most competitive credit card rates. This card is perfect to use when you typically carry a balance, to avoid high interest rate charges.
*Introductory Rate of 1.99% is applicable on purchases for 12 months from the card open date and on Balance Transfers for 12 months from the first qualified balance transfer completed within 12 months from the card open date. After that, the rate will be between 11.75% - 23.75% on Rate Advantage Cards and will vary with the market based on the Prime Rate. Rate range stated is accurate as of 10/10/2023 and is subject to change at any time. Subject to credit approval.
| APR on Purchases (APR may vary after account is opened) | 1.99% Introductory Rate for 12 months from the card open date. After that, the APR wil be 11.75% - 23.75% APR |
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| APR on Balance Transfers (APR may vary after account is opened) | 1.99% Introductory Rate for 12 months from the first qualified balance transfer completed within 12 months of the card open date. After that, the APR will be 11.75% - 23.75% APR |
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| Annual Fee | None |
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| Credit Limit | Up to $30,000 |
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| APR on Cash Advances (APR may vary after account is opened) | 11.75% - 23.75% APR |
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| Cash Availability through ATMs | Yes |
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| ATM Withdrawal Fee | $.50 |
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| Additional Cards for Authorized Users | Free |
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| International Transaction Fee | Up to 1.0% of the value of a transaction (in U.S. dollars) originating from a non-U.S. ATM or merchant location. | ||
| Card Benefits1 | |||
| Click here to see the Mastercard Consumer Credit Card Guide to Benefits. | |||
| Zero Liability2 Protects you if your card is used for purchases without your permission; for details visit Mastercard.us/zero-liability.html. |
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| 24/7 Lost/Stolen Card Replacement | |||
| Mastercard Global Service® Receive 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance. |
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| Mastercard ID Theft Protection Assists you with a number of valuable services if you are the victim of identity theft. |
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| Mastercard Airport Concierge Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights. |
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1 Certain terms, conditions and exclusions apply to all the benefits listed.
2 Certain restrictions apply. Please see Mastercard.us/zero-liability.html for more details.
All loans subject to approval.
812-855-7823 or
888-855-6928
(must call from primary phone)
Call 888-691-8661;
Outside U.S. 515-457-2085
(must call from primary phone)
Call 888-891-2435;
Outside U.S. 812-855-7823
