1. - Earn 3% cash back on all purchases for the first 15 months from the date of account opening. After that, you will earn 2% cash back on all purchases. Offer is only valid for new cards and if member has direct deposit with Leaders. Credit card and direct deposit must be associated with the same membership.

2. - APR=Annual Percentage Rate, the cost of your credit as a yearly rate. As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 14.90%-20.90% for the Compass Black. A transfer fee of 3% or $10 whichever is greater will be applied. However, during the introductory period for the above stated Leaders credit card, the transfer fee will be 5% or $10, whichever is greater. A cash advance fee of 3% or $10 whichever is greater will be applied. A foreign transaction fee of 1.00% of each transaction in U.S. dollars will be applied. At the end of the introductory period, the APR for all new and outstanding purchase transfer balances and cash advances will be a variable rate. The APY for Compass Black Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

3. - The 0% introductory APR on Compass Black is valid for the first 15 months from the date of account opening. To be eligible, member cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 15 months. However, you will be eligible for the 3% cash back for 15 months.

4. - The 0% introductory APR is valid for 15 billing cycles from the date of purchase, transfer, or cash advance for the Compass Rewards

5. - $49.00 annual fee will be applied after 12 months of account opening.