Intro APR* as low as
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*APR= Annual Percentage Rate. The 1.99% APR is valid on purchases only, for 6 months from account opening. Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new, non-discounted variable rate on the first day of the billing cycle.
**Earn 1 point (points are also referred to as “Cash Back”. 1 point equals 1% cash back) per dollar spent for net retail purchases (qualifying purchases less credits, returns and adjustments) and 2 points per dollar spent for gas or grocery store purchases made with your Gain Platinum Rewards Mastercard credit card at any eligible gas station or grocery store as designated by us. Eligible merchants and their associated Merchant Category Codes (“MCC”) are the following: (1) Gas Stations (MCC codes 5541 and 5542); (2) Grocery Stores/Supermarkets (MCC code 5411, 5422, 5441, 5451, 5462 and 5499). Purchases made at these merchants that do not process transactions under these “MCC” codes will not qualify and you will not receive bonus points. Points will not be earned for ATM transactions, balance transfers, cash advances, convenience checks, traveler's check purchases, finance charges, fees, credits for returned merchandise; gaming related transactions, payments, adjustments, foreign transaction currency conversion charges, or insurance charges posted to your account. For complete details see the Platinum Rewards Points Disclosure.
***4.99% APR introductory rate is valid on Balance Transfers and Cash advances for a period of six (6) billing cycles. After the discount period expires, the APR will increase to the new, non-discounted rate on the first day of the billing cycle.
Disclosures and Program Information
Mastercard Agreement Platinum Rewards Mastercard Benefits Program Disclosure MasterCard Application Disclosure and Solicitation Disclosure
The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322. http://www.nfcc.org