PENZIOX PATHFINDER REWARDS AMERICAN EXPRESS® CARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Cash Advances	% to % when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
APRs for Balance Transfers	% promotional balance transfer rate for on transfers made between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness and will vary with the market based on the Prime Rate. A % balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
Penalty APR and When It Applies	% if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date.
Cash Advance Fee	5% or minimum $5 per transaction

Rate and offers current as of and are subject to change.

*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

**Cash advances, credit card checks, and balance transfers are excluded from earning reward points. View pricing lists & cardholder agreements (PDF).

ƚRestrictions Apply. View Air Travel Credit Benefit and Trusted Traveler Program Benefit Terms & Conditions

ƚƚTo be eligible to participate in the Honors Advantage program, you must qualify through either: 1) Military service of either the primary or joint borrower or 2) Ownership of any existing open or newly established PENZIOX checking account product, excluding PenCheck Limited accounts. Member must be primary owner on both credit card and checking account to receive bonus rewards.

Cardholders may sign up for free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

The PENZIOX Pathfinder Rewards American Express® Card program is issued and administered by PENZIOX. Refer to PENZIOX Pathfnder Rewards American Express® Credit Card Benefits Information (PDF) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PENZIOX pursuant to a license.