Bank Altitude Go Visa Signature Cardmember Agreement, which may be amended from time to time. Use of the Card is subject to terms and conditions of the U.S. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Account must be open and current (that is, no Minimum Payment is past due) on the closing date of the billing cycle in order to earn and redeem Points. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to for additional information. Not all transactions are eligible for Points, such as Advances, Balance Transfers and Convenience Checks. Net Purchases are Purchases minus credits and returns. Points are earned on eligible Net Purchases. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees: A monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay Plan or ExtendPay Loan. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. We may change APRs, fees and other Account terms in the future based on your experience with U.S. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Bank ExtendPay ™ Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.
When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. There is a $1 minimum interest charge where interest is due. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Advance fee: 5% of each advance amount, $10 minimum. The variable APR for Cash Advances is 28.24%. Thereafter the APR may vary, the variable APR for Purchases and Balance Transfers is 17.24% to 26.24% (based on your creditworthiness). A Balance Transfer fee of 3% of each transfer amount ($5 minimum) will apply. The introductory rate does not apply to cash advances. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. * The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles.
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