Maximize your spending with low rates and rewards!
Manage your card online. Make payments, set alerts, view balance, download transaction history and more!
Earn 1 point for every dollar you spend. Redeem for cash, gift cards, travel or merchandise!
No Annual Fee
Keep your money in your wallet.
|Foreign Transaction Fee
|Cash Advance Fee
|14.42% This APR will vary with the market based on the Prime Rate.†
|3% of transaction†
|3% of transaction or $10, whichever is greater†
Please see †Important Disclosures for interest rate, fee, and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
|Interest Rates & Interest Charges
|Annual Percentage Rate (APR) for Purchases
14.42% for Platinum, 16.92% for Classic
When you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.*
|APR for Balance Transfers
|Same as Purchase Rate
|APR for Cash Advances
|Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on cash advances on the transaction date. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
|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:
|• Balance Transfer
|• Cash Advance
|Either $10 or 3% of the amount of each advance, whichever is greater.
|• International Transaction
|3% of the U.S. dollar amount of the transaction
|• Late Payment
|Up to $29
|• Returned Payment
|Up to $29
*In the event you do not qualify for a Platinum card, we will automatically consider you for our Classic card. Your Rate on purchases is determined by adding 8.42% for Classic or 5.92% for Platinum to the “Prime Rate” published in the Wall Street Journal under the “Money Rates” subsection on the last business day of each month.
Effective January 31, 2023, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Call 1-888-675-6332 for recorded information.
How Will We Calculate Your Balance: We use a method called "average daily balance (including new transactions)."
How We Calculate Variable Rates: If your account is subject to a Finance Charge, your ANNUAL PERCENTAGE RATE may vary. Your Rate on purchases is determined by adding 8.42% for Classic or 5.92% for Platinum to the “Prime Rate” published in the Wall Street Journal under the “Money Rates” subsection on the last business day of each month.
Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Credit Review and Reporting: You authorize us to obtain consumer reports on you from consumer reporting agencies for any lawful purpose, including any update, extension of credit, review, or collection of your account. We can do this from time to time while your account is open and after it is closed (if you owe us any money). If you request, you will be informed whether any consumer report was requested and if a report was requested, the name and address of the consumer reporting agency furnishing the report.
As of the date in the lower right corner of this application, the information listed was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to us at P.O. Box 20810, Wichita, KS 67208-6810 or email us at CCServices@bbok.com.
The Cardholder Agreement should be reviewed for all conditions and terms.
Bankers’ Bank of Kansas is card issuer.