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Variable Rate World Mastercard

World Card Intro APR – The 1.99% Introductory APR is for 12 months as of account opening. After that, the Standard APR will be 10.99%-17.99%. Range of Rates effective: 12/5/2020. This APR will vary with the market based on the Prime Rate. Variable Rate World Mastercard: The Annual Percentage Rate(APR) may increase or decrease if the highest rate of interest identified as the ‘PrimeRate’ in the ‘Money Rates’ column of the Wall Street Journal increases or decreases. The APR will be equal to the Prime Rate in effect the first business day of the month preceding the rate change plus a margin of 7.74% – 12.74%.The interest rate can change quarterly in the first credit card cycle that occurs in the quarter following the rate change. The APR will never be more than 17.99%. Any increase may lengthen the time it takes to pay off your balance.

^The Intro Cash Back offer will appear as 10,000 bonus points added to the myTowerRewards account after the 3 month introductory period and can be redeemed for cash back.

1For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.