1. - 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 6.90%-18.90%. The APY for Compass Rewards Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%. A transfer fee of 2% or $10 whichever is greater will be applied. However, during the introductory period 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. At the end of the introductory period, the APR for all new and outstanding purchases, transfer balances and cash advances will be a variable rate. The APY for Compass Rewards Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

2. - The 0% Introductory APR is valid for the first 15 billing cycles from the date of account opening. To be eligible, you cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 15 billing cycles.