VISA® with Rewards
from Sutton Bank
TRAVEL, MERCHANDISE, GIFT CARDS AND MORE - YOU NAME IT, YOU'VE GOT IT WITH THIS REWARDS CARD!
Score Some Rewards
Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. Discover more at www.ScoreCardRewards.com
Card Protection
Control your card through a mobile app
No Annual Fee
Keep more of your money
Interest Rates & Fees Summary
- Standard APR
- 12.50%
- Annual Fee
- None
- Cash Advance Fee
- Either $10 or 2% of the Cash Advance amount, whichever is greater.
- Balance Transfer Fee
- Either $10 or 3%, of the Balance Transfer amount, whichever is greater.
| Standard APR | Annual Fee | Cash Advance Fee | Balance Transfer Fee |
| 12.50% | None | Either $10 or 2% of the Cash Advance amount, whichever is greater. | Either $10 or 3%, of the Balance Transfer amount, whichever is greater. |
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Additional Product Features
- Apple, Samsung, Android, Visa Checkout
- Online account information - MyCardStatement.com
Important Disclosures
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) For Purchases | 12.50% fixed |
| Annual Percentage Rate (APR) For Cash Advances | 12.50% fixed |
| APR for Balance Transfers | 12.50% fixed |
| Penalty APR and When it Applies | None |
| Minimum Interest Charge | None |
| Applying Interest | Your due date is at least 21 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. We will begin charging interest on cash advances and/or balance transfers on the transaction date. |
| For Credit Card Tips From The Consumer Financial 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 http://www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | None |
| Document Fee | If a copy of any monthly statement, sales draft or similar document is provided by the bank at your request (other than in connection with billing error inquiries or resolution), a document fee in the amount of $10 will be charged for each copy |
| Late Payment Fee | If a payment of at least the minimum amount required is not received within 10 days of the payment due date, a Late Payment fee of up to $25 will be charged. |
| Returned Payment Fee | Up to $25. |
| Cash Advance Fee | Either $10 or 2% of the amount of each cash advance whichever is greater, to your account each time you obtain a cash advance. |
| Balance Transfer Fee | Either $10 or 3% of the Balance Transfer amount, whichever is greater. |
| Processing Fee | If any Access Device used to access the Account or any check or other instrument given for payment on the Account is dishonored for any reason, a processing fee of up to $25 will be charged. |
| Re-issue Fee | $10 |
| Over-the-Credit Limit | None |
How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).* An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.
ScoreCard Rewards points are earned for qualifying purchases, at (1) Bonus Point in the ScoreCard Program for every $1 dollar of a qualifying credit card purchase. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages and more. You will earn points based on your qualifying net purchases. You do not earn points for cash advances. Balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Please see The ScoreCard Rewards Program FAQ’s located at the footer of https://suttonbank.key.credit
The information about the costs of the card described in this application is accurate as of Sept. 8, 2020, when it was printed. This information may have changed after that date. To find out what may have changed, call us at 800-422-3641 or write to us at: