Pricing and Terms https://secure.chase.com/web/oao/application/card?sourceCode=H6JP&...
PRICING INFORMATION
INTEREST RATES AND INTEREST CHARGES
Purchase Annual
Percentage Rate (APR)
0% Intro APR for the first 15 months that your Account is open.
After that, 20.49% to 29.24%, based on your creditworthiness and
other factors. These APRs will vary with the market based on the Prime
Rate.a
My Chase LoanSM APR 20.49% to 29.24%, based on your creditworthiness and other factors. These
APRs will vary with the market based on the Prime Rate.a
Promotional offers with fixed APRs and varying durations may be available
from time to time on some accounts.
Balance Transfer APR 0% Intro APR for the first 15 months that your Account is open.
After that, 20.49% to 29.24%, based on your creditworthiness and other
factors. These APRs will vary with the market based on the Prime Rate.a
Cash Advance APR 29.99%. This APR will vary with the market based on the Prime Rate.b
Penalty APR and When Up to 29.99%. This APR will vary with the market based on the Prime Rate.c
It Applies
We may apply the Penalty APR to your account if you:
fail to make a Minimum Payment by the date and time that it is due; or
make a payment to us that is returned unpaid.
How Long Will the Penalty APR Apply?: If we apply the Penalty APR for
either of these reasons, the Penalty APR could potentially remain in effect
indefinitely.
How to Avoid Paying Your due date will be a minimum of 21 days after the close of each billing
Interest on Purchases cycle. We will not charge you interest on new purchases if you pay your
entire balance or Interest Saving Balance by the due date each month. We
will begin charging interest on balance transfers and cash advances on the
transaction date.
Minimum Interest None
Charge
Credit Card Tips from To learn more about factors to consider when applying for or using a credit
the Consumer card, visit the website of the Consumer Financial Protection Bureau at http://
Financial Protection www.consumerfinance.gov/learnmore.
Bureau
FEES
Annual Membership None
Fee
Chase Pay Over Monthly fee of 0% of the amount of each eligible purchase transaction or
TimeSM Fee (formerly amount selected to create a Chase Pay Over Time plan while in the 0% Intro
My Chase Plan® Fee; a Purchase APR period.
fixed finance charge)
After that, monthly fee of up to 1.72% of the amount of each eligible purchase
transaction or amount you select to pay over time with no interest, just a fixed
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Pricing and Terms https://secure.chase.com/web/oao/application/card?sourceCode=H6JP&...
monthly fee.
Promotional offers with lower monthly Chase Pay Over Time fees may be
available from time to time on some accounts.
The monthly Chase Pay Over Time fee will be determined each time a fee-
based plan is created and will remain the same until the plan balance is paid
in full.d
Transaction Fees
Balance Transfers Intro fee of either $5 or 3% of the amount of each transfer, whichever is
greater, on transfers made within 60 days of account opening. After that:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advances Either $10 or 5% of the amount of each transaction, whichever is greater.
Foreign Transactions 3% of the amount of each transaction in U.S. dollars.
Penalty Fees
Late Payment Up to $40.
Over-the-Credit-Limit None
Return Payment Up to $40.
Return Check None
Note: This account may not be eligible for balance transfers.
Loss of Intro APR: We will end your introductory APR if any required Minimum Payment is 60 days late,
and apply the Penalty APR.
How We Will Calculate Your Balance: We use the daily balance method (including new transactions).
Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of 5/7/2024.
aWe add 11.99% to 20.74% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer
APR. Maximum APR 29.99%.
bWe add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%.
cWe add up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99%.
dChase Pay Over Time Fee. The Chase Pay Over Time Fee (formerly called the My Chase Plan Fee) is
calculated at the time each plan is created, and is based on the amount of each purchase transaction or
account balance selected to create the plan, the number of billing periods over which you choose to pay the
balance in full, and other factors. The monthly and aggregate dollar amount of your Chase Pay Over Time
Fee will be disclosed during the activation of each plan. Chase Pay Over Time plan balances that have a
Chase Pay Over Time Fee will not be subject to interest after plan activation.
MILITARY LENDING ACT NOTICE: 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). To receive this information and a description of your payment obligation verbally, please call
1-800-235-9978.
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TERMS & CONDITIONS
Authorization: When you respond to this credit card offer from JPMorgan Chase Bank, N.A., Member
FDIC, a subsidiary of JPMorgan Chase & Co. ("Chase", "we", or "us"), you agree to the following:
1. You authorize us to obtain credit bureau reports, employment, and income information about you that
we will use when considering your application for credit. We may obtain and use information about
your accounts with us and others such as Checking, Deposit, Investment, and Utility accounts from
credit bureaus and other entities. You also authorize us to obtain credit bureau reports and any other
information about you in connection with: 1) extensions of credit on your account; 2) the
administration, review or collection of your account; and 3) offering you enhanced or additional
products and services. If you ask, we will tell you the name and address of the credit bureau from
which we obtained a report about you.
2. If
an account is opened, you will receive a Cardmember Agreement with your card(s). You agree to
the terms of this agreement by: using the account or any card, authorizing their use, or making any
payment on the account.
3. By providing your mobile phone number, you are giving permission to be contacted at that number
about all of your accounts by JPMorgan Chase and companies working on its behalf. Your consent
allows the use of text messages, artificial or prerecorded voice messages and automatic dialing
technology for informational and account servicing, but not for sales or telemarketing. Message and
data rates may apply.
4. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after
we mail your new credit card. If you want to cancel or modify your balance transfer within this ten-day
period and have received your credit card, please call the number on the back of your card.
Otherwise, please call 1-888-338-9464. Please continue to make payments to your other account(s)
until you know the balance has been paid.
5. Rates,
fees, and terms may change: We have the right to change the account terms (including
the APRs) in accordance with your Cardmember Agreement.
Before we approve you for a credit card, we will review your credit report and the information you provide
with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive
a Signature or Platinum card with different costs and/or benefits, or you may not receive a card. If approved
for a Signature account, your credit access line will be at least $5000. If approved for a Platinum account,
your credit limit will be at least $500.
You must be at least 18 years old to qualify (19 in AL and NE, 21 in Puerto Rico). An applicant, if married,
may apply for a separate account.
Signature services are available only to Signature cardmembers. We reserve the right to change the benefit
features associated with your card at any time.
New York Residents: New York residents may contact the New York State Department of Financial
Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees,
and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally
available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories
on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral
statement or court order applying to marital property will adversely affect a creditor's interests unless the
creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or
has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Obligations on
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this account will be incurred in the interest of your marriage or family. You understand that we may be
required to give notice of this account to your spouse. Married Wisconsin residents must furnish their
(the applicant's) name and social security number as well as the name and address of their spouse
to Cardmember Service at P.O. Box 15366, Wilmington, DE 19850-5366.
Balance Transfer Option
Balance transfers are contingent upon issuance of your account with us.
The total amount of your request(s) including fees and interest charges cannot exceed your available
credit or $15,000, whichever is lower.
We will not process any balance transfer requests that are from any other account or loan that we
(JPMorgan Chase Bank, N.A., Member FDIC) or any of our affiliates issued.
Balance transfers are subject to the transaction fee shown in the enclosed "Pricing Information."
We will evaluate your balance transfer requests in the order listed on your response. If your request(s)
exceeds the amount that we approve, we may either decline the request or send less than the full
amount requested to your designated payee.
Each transfer will reduce your available credit just like any other transaction. You will see a payment
for the amount transferred on the statement from your other accounts. It may take up to three weeks
to set up your new account with us and process the balance transfer(s), so you may still need to make
payments to your other accounts to keep them current.
Affiliate Information Sharing: We and our affiliates may share information about you among affiliates
in order to offer products and services of interest to you. If you would prefer that we do not share
information from your application, credit bureaus or third parties, please call us at 1-888-868-8618.
For more information about our information handling policies, visit us on the web at http://
www.chase.com/privacypolicy.
Replying to this offer: If you omit any information on the form, we may deny your request for an account.
Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program
associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program.
Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only
using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase
credit card with promotional pricing. You must have a valid permanent home address within the 50 United
States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States
military address. The information about the costs of the card described in this form is accurate as of
5/7/2024. This information may have changed after that date. To find out what may have changed, write to
us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.
USA PATRIOT Act: Federal law requires all financial institutions to obtain, verify, and record information that
identifies each person who opens an account. We require the following information or documents as a
condition to your opening an account: your name, residential address, date of birth, Social Security number,
driver's license or other identifying documents.
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