Important Product Disclosures
Card Services is a division of Synovus Bank. Credit cards are issued by Synovus Bank, 1125 1st Avenue, 2nd Floor, Columbus, GA 31901, which is the creditor for all credit card accounts.
1. All credit cards are subject to credit approval.
2. On purchases, balance transfers and overdraft protection transactions, a 0% introductory APR for the first 6 months from account opening and after that a variable APR, of 7.24% - 21.24% (as of May 31, 2015), based on your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 24.24% (as of May 31, 2015). The cash advance transaction fee is $10 or 4% of the cash advance, whichever is greater, except on overdraft protection transactions, for which the transaction fee is $15 or the amount of the transaction, whichever is less. The foreign transaction fee is 3% of the transaction (including transactions made in U.S. dollars and cross border transactions). Cash Rewards can only be earned and redeemed when the account is active and in good standing.
3. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or www.visa.com/security.
4. Total Net Purchases (TNPs) up to $1,500 will earn 0.25% each year, above $1,500 and up to $3,000 will earn 0.50% each year; and above $3,000 TNPs will earn 1.00% each 12 months. An account year is 12 months, starting with the anniversary date of the account’s enrollment in the Cash Rewards Program. Example: If you spend $7,000 in Net Purchases an account year, you will earn 0.25% on the first $1,500 spent; 0.50% on the next $1,500 spent; and 1.00% on the last $4,000 spent. Cash rewards can only be earned and redeemed when the account is active and in good standing. Bonus Rewards may be earned in any statement cycle when the account has been used for one or more purchase and has incurred a finance charge. The amount of the bonus reward is equal to the base reward amount in any qualifying statement cycle while total net purchases for the account year are less than or equal to $3,000. After total net purchases for the account year exceed $3,000, the bonus amount in any qualifying statement cycle is 0.50% of net purchases. The total of base and bonus rewards cannot exceed $400 in the account year. Account year begins on the anniversary of the account, which is based on the date the account is opened.
The service marks and trademarks used herein belong to their respective owners.