Which card is right for you?
| Platinum |
Gold
| Classic |
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Apply Now |
PLATINUM |
GOLD |
CLASSIC |
APR for Purchases |
8.00% |
9.00% |
10.90 - 12.90*% |
APR for Cash advances |
8.00% |
9.00%
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10.90 - 12.90*%
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Annual Fee
|
$0
|
$0
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$0
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Balance Transfer Fee
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None
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None
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None
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Credit Limit
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Up to $25,000
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Up to $15,000
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Up to $5,000
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Fixed Rate
|
x |
x |
x |
Penalty Rate |
None |
None |
None |
Over the Credit Limit Penalty |
None |
None |
None |
Foreign Transaction Fee |
1% of each transaction in US dollars
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Late Payment Penalty |
$15.00. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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Returned Payment Penalty |
$20.00
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*When you open your account, based on creditworthiness.
Rates are fixed. Rate information is accurate as of February 1, 2023. All rates are subject to change. Rate information is as accurate as possible, however, please contact the credit union to verify current rates or if you would like a disclosure mailed to you.
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Read the Mastercard Account Agreement
Read the Mastercard Billing Notice
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Get helpful tips from the Consumer Financial Protection Bureau
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Balance Transfer Opportunity
A balance transfer is a way to move credit card debt from one credit card to another to save money on interest. When you transfer your balance(s) to a Cedar Point credit card, you can consolidate your debt, while also accessing a lower, fixed rate. Lower rates can help you save money on your monthly payments and help you pay off your debt sooner. Plus, there is no balance transfer fee.
Here's an example of what your monthly interest savings might look like if you transfer your balances to Cedar Point.
| Before a Balance Transfer | After |
CARD
|
Citi
|
Kohl's
|
Capital One
|
Total |
Cedar Point |
BALANCE
|
$1500
|
$1000
|
$1000 |
$3500 |
$3500 |
APR*
|
15.49%
|
21.90%
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15.74% |
17.39%** |
8.00% |
MONTHLY PAYMENT |
$36 |
$28 |
$24 |
$88 |
$70 |
In the scenario above, your monthly payment would be reduced by $18. And you'd be saving over $30 on interest alone. Over time, those savings really add up.
*APR = Annual Percentage Rate
**Weighted Average
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