Credit Cards
Introductory offer 0% APR* for 6 months from account opening on purchases
After the intro APR offer ends, an APR of 9.90% or 11.90% will apply depending upon the card type.
Standard Mastercard*
11.90% APR**
Platinum Mastercard
9.90% APR**
*Secured credit card are only eligible for Standard Master Card
**APR=Annual Percentage Rate
Balance transfer 1.99% FOR 6 Billing Cycles or 2.99% FOR 12 Billing Cycles***
No Balance Transfer Fee
***Promotional rate is valid for balance transfers that are received and posted by 12/31/2021. The promotional rate does not apply to cash advances and credit purchases. 1.99% or 2.99% annual percentage rate (APR) expires six or twelve months respectively from the date of your balance transfer, at which time the APR will revert to the non-promotional rate of 9.90% or 11.90%, depending upon the card type. Account must be in good standing to qualify. Limit subject to credit approval and some terms and condition may apply. Contact us for more details.
Both credit cards offer a broad range of benefits and features:
Key Benefits
- $1,000,000 Common Carrier Travel Accident Insurance
- $300 Baggage Delay Insurance
- Lost Luggage Insurance
- 24/7 Concierge Services
- Cell Phone Protection
- Travel and Emergency Services
- Purchase Security and Extended Protection
- Return Protection
- Price Protection
- ID Theft Restoration
Features
- Credit limit $300 up to $10,000.
- Optional payment protection coverage is available.
- Minimum Payment due at the end of each cycle will be 3% or $15 of the balance of the account, whichever is higher.
Eligibility
- Member should be either a Green Card holder or US Citizen.
- There will be no guarantors on credit cards.
- Member’s current loan(s), if any, should be current and in good standing.
- Any loans guaranteed by the applicant must also be current and in good standing.
Fees & Charges
- Late Fee: $25.00
- Over limit Fee: $0
- Annual Fee: $0
- Currency Conversion Fee: 1% of Balance
- Return Check Fee: $25.00
- Cash advance rate will be 18% APR and a fee of 3% of each cash advance ($5.00 minimum or $50.00 maximum) will be assessed.