Capital Mark - Bank & Trust

Personal Credit Cards

CapitalMark offers cards with varying options for you and your family based upon your objectives - low interest rate, low annual fee, rewards points.

Low Rate Card

• Available as VISA or MASTERCARD¹
• Introductory Rate of 2.9% for first 6 months
• Ongoing APR of Prime + 6.99%²
• No Annual Fee
• 25 day Grace Period on all purchases
• VISA/MC benefits of rental car collision damage waiver
• Online Account Access and Management

Preferred Points Card

• Available as VISA or MASTERCARD
• Introductory Rate of 2.9% for first 6 months
• Ongoing APR of Prime + 11.99%
• No Annual Fee
• Earn 1 point for every dollar spent up to 10,000 points/month
• Points redeemed fror cash back, travel, merchandise and retail gift cards
• 25 day Grace Period on all purchases
• VISA/MC benefits of rental car collision damage waiver
• Online Account Access and Management

Talk with a Banker Team about the best card for you and to obtain an application to get started.

¹The Employee, Preferred Points, and Low Rate consumer products include Gold MasterCard, Visa Classic, and Visa Platinum Cards. The Standard and Preferred Points business products are only available for Visa Business cards.

 ²After Introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

Fees
Annual Fess: None
Transaction Fees
- Balance Transfer and Cash Advance: Either $10 or 3% of the amount of each balance transfer or each cash advance, whichever is greater. 
- International Transaction: 2% of each transaction in U.S. dollars.
Penalty Fees
- Late Payment: $25
- Returned Payment: $25
Other Fees
- Pay-by-Phone: Up to $10 for agent assisted payments.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 75% of the nation's largest banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of July 23, 2010, the Index was 3.25%.

Penalty APR and when it applies: This rate may be applied if you permit your Account to become 60 days past due. This APR will vary with the market based on the Prime Rate. We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.The Penalty APR will apply until you make three consecutive minimum payments when due.

 
If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the VISA Platinum card with the Low Rate option.
If you do not qualify for a VISA Platinum Card and you qualify for a VISA Classic Card, you will automatically be offered a VISA Classic Card.