5/8/2015

Pricing&Terms

Pricing&Terms

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PleasetakeamomenttocarefullyreviewthePricing&Termsbelow.

PRICINGINFORMATION
INTERESTRATESANDINTERESTCHARGES
PurchaseAnnual
PercentageRate
(APR)

0%IntroAPRforthefirst15billingcyclesthatyourAccountisopen.
Afterthat,13.99%to22.99%,basedonyourcreditworthiness.
TheseAPRswillvarywiththemarketbasedonthePrimeRate.a

BalanceTransfer
APR

0%IntroAPRforthefirst15billingcyclesthatyourAccountisopen.
Afterthat,13.99%to22.99%,basedonyourcreditworthiness.These
APRswillvarywiththemarketbasedonthePrimeRate.a

CashAdvanceAPR

24.99%.ThisAPRwillvarywiththemarketbasedonthePrimeRate.b

OverdraftAdvance
APR

24.99%.ThisAPRwillvarywiththemarketbasedonthePrimeRate.b

PenaltyAPRand
WhenItApplies

Upto29.99%.ThisAPRwillvarywiththemarketbasedonthePrime
Rate.c
ThePenaltyAPRmaybeapplicabletoyourAccountifyou:

failtomakeanyMinimumPaymentbythedateandtime
due(latepayment)
exceedyourcreditlimit(ifapplicable)or
makeapaymenttousthatisreturnedunpaid.
HowLongWillthePenaltyAPRApply:IfyourAPRsareincreasedfor
anyofthesereasons,thePenaltyAPRmayapplyindefinitely.
HowtoAvoidPaying
Intereston
Purchases

Yourduedatewillbeaminimumof21daysafterthecloseofeachbilling
cycle.Wewillnotchargeyouinterestonpurchasesifyoupayyourentire
balancebytheduedateeachmonth.Wewillbeginchargingintereston
balancetransfers,cashadvances,andoverdraftadvancesonthe
transactiondate.

MinimumInterest
Charge

None

CreditCardTips
fromtheConsumer
FinancialProtection
Bureau

Tolearnmoreaboutfactorstoconsiderwhenapplyingfororusinga
creditcard,visitthewebsiteoftheConsumerFinancialProtectionBureau
athttp://www.consumerfinance.gov/learnmore.

FEES
AnnualMembership

None

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Fee
TransactionFees
BalanceTransfers

Either$5or3%oftheamountofeachtransfer,whicheverisgreater.

CashAdvances

Either$10or5%oftheamountofeachtransaction,whicheverisgreater.

ForeignTransactions

3%ofeachtransactioninU.S.dollars.

PenaltyFees
LatePayment

Upto$15ifthebalanceislessthan$100upto$25ifthebalanceis$100
tolessthan$250upto$35ifthebalanceis$250ormore.

OvertheCreditLimit

None

ReturnPayment

Upto$35.

ReturnCheck

None

Note:Thisaccountmaynotbeeligibleforbalancetransfers.
LossofIntroAPR:WewillendyourintroductoryAPRifanyrequiredMinimumPaymentis60dayslate,
andapplythePenaltyAPR.
HowWeWillCalculateYourBalance:Weusethedailybalancemethod(includingnewtransactions).
PrimeRate:VariableAPRsarebasedonthe3.25%PrimeRateasof9/18/2014.
aWeadd10.74%to19.74%tothePrimeRatetodeterminethePurchase/BalanceTransferAPR.
bWeadd21.74%tothePrimeRatetodeterminetheCashAdvance/OverdraftAdvanceAPR.
cWeaddupto26.99%tothePrimeRatetodeterminethePenaltyAPR.MaximumAPR29.99%.

TERMS&CONDITIONS
JPMorganChaseBank,N.A.ismakingthisoffertoyouonbehalfofitsDelawareaffiliate,ChaseBank
USA,N.A.ChaseUSAistheissuerofChaseConsumerandBusinesscreditcards.
Authorization:WhenyourespondtothiscreditcardofferfromChaseBankUSA,N.A.,asubsidiaryof
JPMorganChase&Co.("Chase","we",or"us"),youagreetothefollowing:
1. Youauthorizeustoobtaincreditbureaureportsthatwewillusewhenconsideringyourapplication

forcredit.Youalsoauthorizeustoobtaincreditbureaureportsandanyotherinformationaboutyou
inconnectionwith:1)extensionsofcreditonyouraccount2)theadministration,revieworcollection
ofyouraccountand3)offeringyouenhancedoradditionalproductsandservices.Ifyouask,we
willtellyouthenameandaddressofthecreditbureaufromwhichweobtainedareportaboutyou.
2. Ifanaccountisopened,youwillreceiveaCardmemberAgreementwithyourcard(s).Youagreeto

thetermsofthisagreementby:usingtheaccountoranycard,authorizingtheiruse,ormakingany
paymentontheaccount.
3. Whenyougiveusyourmobilephonenumber,wehaveyourpermissiontocontactyouatthat
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numberaboutallyourChaseorJ.P.Morganaccounts.Yourconsentallowsustousetext
messaging,artificialorprerecordedvoicemessagesandautomaticdialingtechnologyfor
informationalandaccountservicecalls,butnotfortelemarketingorsalescalls.Itmayinclude
contactfromcompaniesworkingonourbehalftoserviceyouraccounts.Messageanddatarates
mayapply.Youmaycontactusanytimetochangethesepreferences.
4. Balancetransferswillbeappliedtoyouraccountandsenttoyourdesignatedpayee(s)10daysafter

wemailyournewcreditcard.Ifyouwanttocancelormodifyyourbalancetransferwithinthisten
dayperiodandhavereceivedyourcreditcard,pleasecallthenumberonthebackofyourcard.
Otherwise,pleasecall18883389464.Pleasecontinuetomakepaymentstoyourotheraccount(s)
untilyouknowthebalancehasbeenpaid.
5. Rates,fees,andtermsmaychange:Wehavetherighttochangetheaccountterms

(includingtheAPRs)inaccordancewithyourCardmemberAgreement.
Beforeweapproveyouforacreditcard,wewillreviewyourcreditreportandtheinformationyouprovide
withyourresponsetoconfirmthatyoumeetthecriteriaforthisoffer.Basedonthisreview,youmay
receiveaSignatureorPlatinumcardwithdifferentcostsand/orbenefits,oryoumaynotreceiveacard.
Youmustbeatleast18yearsoldtoqualify(19inALandNE).Anapplicant,ifmarried,mayapplyfora
separateaccount.
SignatureservicesareavailableonlytoSignaturecardmembers.Wereservetherighttochangethe
benefitfeaturesassociatedwithyourcardatanytime.
NewYorkResidents:NewYorkresidentsmaycontacttheNewYorkStateDepartmentofFinancial
Servicesat18003423736orgotowww.dfs.ny.govtoobtainacomparativelistofcreditcardrates,fees,
andgraceperiods.
OhioResidents:TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequally
availabletoallcustomers,andthatcreditreportingagenciesmaintainseparatehistoriesoneachindividual
uponrequest.TheOhioCivilRightsCommissionadministerscompliancewiththelaw.
NoticetoMarriedWisconsinResidents:Noprovisionofanymaritalpropertyagreement,unilateral
statementorcourtdecreeadverselyaffectsourrights,unlessyougiveusacopyofsuchagreement,
statementorcourtorderbeforewegrantyoucredit,orwehaveactualknowledgeoftheadverse
obligation.Allobligationsonthisaccountwillbeincurredintheinterestofyourmarriageorfamily.You
understandthatwemayberequiredtogivenoticeofthisaccounttoyourspouse.MarriedWisconsin
residentsmustfurnishtheir(theapplicant's)nameandsocialsecuritynumberaswellasthe
nameandaddressoftheirspousetoCardmemberServiceatP.O.Box15218,Wilmington,DE
198505218.
BalanceTransferOption
Balancetransfersarecontingentuponissuanceofyouraccountwithus.
Thetotalamountofyourrequest(s)includingfeesandinterestchargescannotexceedyour
availablecreditor$15,000,whicheverislower.
Wewillnotprocessanybalancetransferrequeststhatarefromanyotheraccountorloanthatwe
(ChaseBankUSA,N.A.)oranyofouraffiliatesissued.
Balancetransfersaresubjecttothetransactionfeeshownintheenclosed"PricingInformation."
Wewillevaluateyourbalancetransferrequestsintheorderlistedonyourresponse.Ifyour
request(s)exceedstheamountthatweapprove,wemayeitherdeclinetherequestorsendless
thanthefullamountrequestedtoyourdesignatedpayee.
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Eachtransferwillreduceyouravailablecreditjustlikeanyothertransaction.Youwillseeapayment
fortheamounttransferredonthestatementfromyourotheraccounts.Itmaytakeuptothreeweeks
tosetupyournewaccountwithusandprocessthebalancetransfer(s),soyoumaystillneedto
makepaymentstoyourotheraccountstokeepthemcurrent.
AffiliateInformationSharing:Weandouraffiliatesmayshareinformationaboutyouamong
affiliatesinordertoofferproductsandservicesofinteresttoyou.Ifyouwouldpreferthatwedo
notshareinformationfromyourapplication,creditbureausorthirdparties,pleasecallusat1
8888688618.Formoreinformationaboutourinformationhandlingpolicies,visitusontheweb
athttp://www.chase.com/privacypolicy.
Replyingtothisoffer:Ifyouomitanyinformationontheform,wemaydenyyourrequestforanaccount.
ChasecardmemberswhocurrentlyhaveorhavehadaChasecreditcardinanyRewardsProgram
associatedwiththisoffer,maynotbeeligibleforasecondChasecreditcardinthesameRewards
Program.Chasecardmemberscurrentlyreceivingpromotionalpricing,orChasecardmemberswitha
historyofonlyusingtheircurrentorpriorChasecardforpromotionalpricingoffers,arenoteligiblefora
secondChasecreditcardwithpromotionalpricing.Youmusthaveavalidpermanenthomeaddresswithin
the50UnitedStatesortheDistrictofColumbia.Theinformationaboutthecostsofthecarddescribedin
thisformisaccurateasof9/18/2014.Thisinformationmayhavechangedafterthatdate.Tofindoutwhat
mayhavechanged,writetousatCardmemberService,P.O.Box15043,Wilmington,DE198505043.
USAPATRIOTAct:Pleasenote:Federallawrequiresallfinancialinstitutionstoobtain,verify,andrecord
informationthatidentifieseachpersonwhoopensanAccountsuchasyourname,address,dateofbirth,
andotherinformationthatwillallowustoidentifyyou.Wemayalsoaskforotheridentifyingdocuments.
2015JPMorganChase&Co.

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