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| Any time, any reason; universal default | Default rate after missing two months of minimum due payments. | Default rate after missing two months of minimum due payments. |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $35. | $35. |
| Overlimit fee | $0. | $0. |
| Balance transfer fees: % of amount; minimum and maximum | 3% of each balance transfer; $75 maximum. | 3% of each balance transfer; $75 maximum. |
| Cash advance fees: % of advance; minimum and maximum | 3% of each advance; $75 maximum for convenience checks. Fee is waived when transferring funds electronically to a USAA deposit account. | 3% of each advance; $75 maximum for convenience checks. Fee is waived when transferring funds electronically to a USAA deposit account. |
| Payment related fees: phone, express | Phone: No fee. | Phone: No fee. |
| Other fees (annual, returned check, etc.) | Annual: $0
Returned check: $27
Copy: $10
Wire: no charge in or out | Annual: $0
Returned check: $27
Copy: $10
Wire: no charge in or out |
| Grace period | 25 days . | 25 days . |
| Introductory rate for purchases and balance transfers | N/A. | N/A. |
| Default APR range | Variable 11.0% to 22.15% APR. | Variable 11.0% to 22.15% APR. |
| How payments applied to balance? | Payments will be applied to balances with lower APRs before balances with higher APRs. | Payments will be applied to balances with lower APRs before balances with higher APRs. |
| How is interest rate set? | Prime rate published in the consumer rates table of The Wall Street Journal on the 15th of each month (or the next business day if not published on the 15th). | Prime rate published in the consumer rates table of The Wall Street Journal on the 15th of each month (or the next business day if not published on the 15th). |
| Minimum payment charge | 1% of new balance due plus finance charges plus fees. If there is a past due amount (i.e., limit on card is $2,000 and the over-the-limit amount is $500), then the over-the-limit amount becomes the minimum due. | 1% of new balance due plus finance charges plus fees. If there is a past due amount (i.e., limit on card is $2,000 and the over-the-limit amount is $500), then the over-the-limit amount becomes the minimum due. |