![]() To find out what may have changed, call the issuer at 855.368.0410 or write to us at UMB Bank, n.a., P.O. This information may have changed after that date. Information about the costs of credit cards is accurate as of September 1, 2023. For more information, see the issuer’s Important Cost Information about our Credit Card disclosure, which is provided with the issuer’s credit card application. The issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. dollar amount of each cash advance or purchase. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Balance Transfers: 3% of the amount of the balance transfer, with a $15 minimum and no maximum. Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. This APR will vary with the market based on the prime rate. That APRs will vary based on the prime rate. After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 19.49% to 29.49% (based on your creditworthiness) if your balance transfer is treated as a purchase, or 31.49% if your balance transfer is treated as a cash advance. APR for Balance Transfers: 0.00% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 months, 19.49% to 29.49% based on your creditworthiness. APRs: APR for Purchases: 0.00% introductory APR for 12 months. ![]() ![]() The following transactions are excluded from “purchases” and do not earn rewards points: convenience checks, balance transfers, cash advances, returns, finance charges, and credit card interest or fees.Ĥ. Bonus points will be applied to your account within 45 days of meeting the spending requirement. Within 90 days of account opening of your new Bullion Card, approved applicants must use the card to make $1,500 in net purchases to receive 15,000 bonus points. Please see The Bullion Card Rewards Terms and Conditions for complete details.ģ. Cardholders will earn 1 point per dollar on other net purchases, outside of purchases made at either APMEX or OneGold. After earning 500,000 points on combined APMEX and OneGold purchases per calendar year on any rewards account, cardholders will earn 1 point per dollar on net purchases made at either APMEX or OneGold. ![]() Cardholders will earn 4 points per dollar on net purchases made at either APMEX or OneGold. Cardholders earn rewards as points that can be redeemed towards future purchases with APMEX.Ģ. ![]()
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