Use your Secured Credit Card responsibly to help build, or rebuild, your credit history. If you are new to credit cards or are trying to take the right steps for credit building or rebuilding, this is the place to start. Available exclusively for Capitair customers with an eligible checking or savings account.
Rate, Fees and Rewards
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
20.74% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers |
20.74%. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances |
23.74% This APR will vary with the market based on the Prime Rate. |
| Penalty APR |
22.99% None |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new purchases if you pay your entire balance in full by the due date each month. |
| Minimum Interest Charge |
None |
| 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 Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/learnmore . |
| Fees | |
| Annual Fee |
$19 |
| Transaction Fees | |
|
Balance Transfer Cash Advance Foreign Transaction |
3% of each advance ($10.00 minimum) 4% of each advance or $10.00 minimum on transactions greater than $10 None |
| Penalty Fees | |
|
Late Payment Fee Overlimit Fee Return Payment Fee |
Up to $40 None None |
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