- 0% balance transfer for 12 months and no annual fee*
- Automatic APR Reduction to as low as 7.00% APR1
- Rates as low as 16.25% APR**
- Up to a $10,000 credit limit on approved credit
1Your APR will be reduced by 0.25% when you make a total of $300 in Point of Sale (POS) purchases and make three minimum balance payments by the required due date within a consecutive period. A consecutive period is defined as follows: a three-month timeframe [e.g. (January, February and March) or (February, March and April)]. If a payment(s) is/are not made by the required due date during any month within a consecutive period, a “new” consecutive period is initiated. For example, if you do not make a payment by the required due date or if you do not make a total of $300 in Point of Sale (POS) purchases in January, but meet all payment and purchase requirements in February, March and April, you will still qualify for the 0.25% APR reduction. If you meet all payment and purchase requirements in January, February and March, you will qualify for the 0.25% APR reduction. You can still qualify for the additional 0.25% APR reduction if you meet the payment and purchase requirements in April, May, and June. These 0.25% APR reductions will continue to occur if you meet all payment and purchase requirements until you reach the maximum achievable 7.00% APR. During one calendar year you may earn up to four 0.25% APR reductions totaling a 1% APR reduction. The maximum achievable APR with these 0.25% APR reductions is 7.00%. The Automatic APR Reduction does not apply to any promotional rate offers. Point of Sale (POS) purchase requirements do not include ATM transactions, cash advances, or balance transfers.
*Qualifications for the 0% balance transfer for 12 months is the transfers must be completed within 30 days of account opening. No annual fee but transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Foreign Transaction Fee: When using your SkyOne Visa® credit card or debit card outside the U.S., there is an International Service Assessment (ISA) fee for each transaction. Single Currency Transaction (your transaction is done in US Dollars) – 0.8% of the transaction. Multiple Currency Transaction (your transaction requires conversion from the local currency into US Dollars) – 1.0% of the transaction. Whether your transaction is a single or multiple currency transactions depends on the country, the merchant, and how the merchant processes the transaction. Once the balance transfer period ends your APR goes back to the original APR provided upon initial approval.
**APR=Annual Percentage Rate. Published rates, terms, and conditions are subject to change at any time and determined by approved credit