Interest Rates & Charges
APR for Cash Advances
24.99%
This APR will vary with the market based Prime Rate
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 you any Interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips From the Consumer Finance Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: consumerfinance.gov/learnmore.
Fees
Annual Fee
None
Transaction Fees
None
Penalty Fees
Late Payment Fees
Returned Payment Fee
Up to $25
Up to $25
Other Fees
None
How We Will Calculate Your Balance We use a method called “average daily balance (including new transactions).”
How the Variable APRs and Daily Rate on your Account are Determined The Purchases APR on your Account will be determined each Billing Cycle by adding a 9.26% margin to the Prime Rate (U.S.) as published in the Money Rates section of The Wall Street Journal (the “Index”), which was 7.50% as of the end of the preceding calendar month. Currently, the Daily Periodic Rate for Purchases is 0.0459178% and the Daily Periodic Rate for Cash Advances is 0.0684658%.
Billing Rights:Information about your rights to dispute transactions and how to exercise those rights is provided in the Unicorn Credit Card Cardholder Agreement.
Your new cred.ai Pro powered card will be able to help your credit, because it’s a real credit card. So it needs to have an interest and fee structure, and we show that here.
The Credit Optimizer automatically manages your payments and balances for you automatically, almost like a personal money manager. It makes sure you never overspend and never pay fees or interest, while showing super healthy credit usage behavior for Credit Optimization.
Even if that high-tech management process somehow figured out a way to mess up, your agreements with us say we have to cover it. That’s why we call it a guarantee, because we believe in what we do.
We built this to help people. Thank you for taking this journey with us.