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. 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. Bank 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. Bank ExtendPay ® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay ® Plan or ExtendPay ® Loan. 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. The annual fee is $0 introductory annual fee for the first 12 months, after that $95. 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 30.74%. * The APR may vary, the variable APR for Purchases and Balance Transfers is 20.74% to 28.74% (based on your creditworthiness).
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