Important Platinum and Classic Credit Card Terms and Conditions

Annual Percentage Rate (APR) for Purchases and Balance Transfers 0.00% to 1.99% introductory APR for 6 months. After that, your APR will be 7.99%, 9.99%, 11.99%, or 14.99% based on your creditworthiness.
APR for Cash Advances 14.99% to 16.99%
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
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:
Annual Fee None

Transaction Fees:

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

  • None
  • None
  • 3% of each transaction in U.S. dollars

Penalty Fees:

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

  • Up to $25.00
  • None
  • Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your Credit Card Agreement for more details. 
Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a late payment. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your Credit Card Agreement. 
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your Driver’s License or other identifying documents. This is in compliance with Section 326 of the USA Patriot Act. 
The information about the costs of the card described in this application is accurate as of 11/2020. This information may change after that date. To find out what may have changed call 888-745-5406, write to us at 365 N. Third St., Laramie WY 82072, or visit

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