Subject to Credit Approval. Transaction fees: (1) Cash Advance - Greater of $2 or two percent (2%) of the amount of the Cash Advance subject to a maximum fee of $500. (2) Transactions Made in Foreign Currencies - If Transaction is made in a foreign currency, we and Mastercard International, depending on which card was used, will convert the transaction into a U.S. dollar amount. Mastercard will act in accordance with their operating regulations or conversion procedures in effect at the time the transaction is processed. Currently, their regulations and procedures provide that the currency conversion rate they use, to determine the transaction amount in U.S. dollar, is either (a) a wholesale market rate, or (b) a government-mandated rate in effect one day prior to the processing date. Mastercard increases this conversion rate by one percent (1%) and keep this increase as compensation for performing the currency conversion service. The currency conversion rate calculated in this manner that is in effect on the processing date may differ from the rate, in effect on the transaction date or posting date. Annual Periodic Rate (APR): Premier: 8.99 - 14.99% based on your credit worthiness. This APR will vary with the market based on prime rate. Rewards: 15.99 - 17.99% based on your credit worthiness. This APR will vary with the market based on Prime Rate. APR for Balance Transfers: 4.99% for the first 9 months, then 18.00%. This APR will vary with the market based on the Prime Rate. Annual Fee: $50. The fee may be waived in subsequent years if the account holder spends $30,000 for consumer and $50,000 for business on an annual basis. The Mastercard circles design is a registered trademark of Mastercard International Incorporated. Subject to additional terms and conditions. Terms and conditions subject to change. Information is current as of February 1, 2022. See https://www.pointbank.com/creditcards for up-to-date information.