International Payment Brand from Japan

JCB Standard Card

Rates & Disclosures

As of April 30, 2018 JCB has discontinued the service of this product. Please refer to the FAQ for details.

Interest Rates and Interest Charge
Annual Percentage Rate (APR) for Purchases 13.50%
APR varies with the market based on the Prime Rate
APR for Cash and Check Advances (including Balance Transfers) 13.50%
APR varies with the market based on the Prime Rate
Paying Interest Your due date is at least 27 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. We will begin charging interest on cash and check advances (including balance transfers) on the posted date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Set-up and Maintenance Fees
Annual Fee $0.00
Transaction Fees
Cash and Check Advance (including Balance Transfers) Either $2 or 2% of the amount of each cash or check advance (including balance transfers), whichever is greater.
Foreign Transactions 1.1% on each transaction before conversion to U.S. dollars.
Penalty Fees
Late Payment $0.00 for Illinois, New York, Oregon or Washington residents.
$10.00 for California residents.
For all others: Up to $15.00
Over-the-Credit-Limit Fee $0.00
Returned Check $0.00

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

The Prime Rate used to determine the APR is the rate published in The Wall Street Journal on September 11, 2018, which was 5.00%. The APR may change quarterly on the first day of the billing cycle beginning in April, July, October and January, based on the Prime Rate on the second Tuesday of March, June, September and December.

APR will not exceed 16.0%.

Notice to New York Residents: New York Residents may contact the New York State Banking Department to obtain a comparative history of credit card rates, fees and grace periods at 1-800-522-3330.