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Smith Brothers Visa Card
Sponsorship
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Earn Rewards Every Time You Use Your Smith Brothers Visa Platinum Rewards Card. Apply Today!
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Earn up to 10 points for every dollar spent at Smith Brothers and 1 point for every dollar spent anywhere else. When you earn 2,500 points, you'll receive a $10 Smith Brothers Rewards Certificate.
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No Annual Fee
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Low Variable APR
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Online Credit Card Access to view account information to make payments
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Auto Rental Insurance automatically covers the repair or loss of a rental car, whenever you use your Visa card to pay for the car
rental.
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Convenient cash access at thousands of ATMs.
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Zero Liability Protection from verified unauthorized purchases online and off.
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Travel Accident Insurance at no additional charge.
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Travel Assistance Services including pre-trip planning, roadside assistance, legal referrals, and medical referrals.
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FREE additional cards for family members (must be at least 21 years of age.)
**Certain exclusions and conditions may apply. Auto Rental Insurance and Travel Accident Insurance provided at no additional cost. See Cardholder
Agreement and Guide to Benefits that accompany your card for details.
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Three Easy Ways to Apply for the Smith Brothers Visa Card!
1. Complete credit card application and mail in.
2. Apply by phone at 888-862-4968.
3. Apply online at www.Cardpartner.com/app/smith-brothers
Then, Choose Your Smith Brothers Visa Card Design:
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**Custom Smith Brothers Visa Rewards Cards are also available. You will receive an order form with the Smith Card you choose now.
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| Interest Rates and Charges |
| Annual % Rate (APR) for Purchases
| 0.00% introductory APR for six (6) months. After that, your APR will be 12.99%. The APR in effect after your introductory APR expires will vary with the market based on the
Prime Rate. |
| APR for Cash Advances
| 16.99%. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers
| 12.99% if your Balance Transfer is treated as a Purchase, or
16.99%if your Balance Transfer is treated as a Cash Advance. These APRs will vary with the market based on the Prime Rate. |
| Penalty APR and when it Applies
| 21.75%. This APR may be applied to your account if you make a late payment.
How long will the Penalty APR apply? If your APRs are increased for the above reason, the Penalty APR will apply until you make six (6) consecutive payments of at least the minimum payment
due. |
| Paying Interest
| Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. Generally,
we will begin charging interest on Cash Advances and Balance Transfers on the transaction date. |
| Minimum Interest Charge
| If you are charged interest, the charge will be no less than $0.50. |
| For Credit Card Tips from the Federal Reserve Board
| To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard. |
| Fees |
| Annual Fee
| None |
Transactional Fees:
Balance Transfer
Cash Advance
Foreign Transaction
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3% of the amount of the Balance Transfer, with a $15 min. and no max.
3% of the amount of the Cash Advance, with a $15 min. and $50 max.
2% of the U.S. dollar amount of each Cash Advance or Purchase. |
Penalty Fees:
Late Payment
Returned Payment
Over the Credit Limit
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Up to $35
Up to $35
None |
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How We Will Calculate Your Balance: We use a method called the “average daily balance (including new purchases).”
Loss of Introductory and Promotional APRs: We may end your introductory APR (including your promotional APRs on Balance Transfers) and any Promotional APRs that you have been offered on
Promotional Purchases or Special Promotional Items and apply the Penalty APR if you make a late payment.
How We Determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall Street Journal
Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Purchases and Cash Advances will not exceed 25.00%,
but if the Penalty APR applies, it will not exceed 27.90%.
Margin: We will add 9.74% to the Prime Rate to determine the APR for Purchases. We will add 13.74% to the Prime Rate to determine the APR for Cash Advances. We will add 18.50% to the Prime
Rate to determine the Penalty APR.
Cardholder Agreement. For additional information about the costs and terms of the Account, see Issuer’s Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement and
the Account will be governed by Missouri and applicable federal law, but the Issuer will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that
apply to your Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder Agreement permits the Issuer to change the terms of this Account, including the rates, fees and
other credit terms, upon notice to cardholder and subject to the provisions of applicable law.
Important Information About Procedures For Opening A New Account. Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain information
about you while processing your Account application. Please talk with a Bank representative if you have questions.
Important. This information about the costs of credit cards is accurate as of August 1, 2010. This information may have changed after that date. To find out what may have changed, call us
at 800-821-5184 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.
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