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Terms:
Special Introductory Rate -- 0% APR1 for 12 billing cycles on balance transfers with no balance transfer fees.
Purchase Bonus -- $50 statement credit for total net purchase of $500 or more when made on or before 6/1/072
Annual Fee None
Introductory APR 0% APR1on balance transfers for 12 billing cycles when balance transfer requested at time of application
Advance Fee 4% of the transaction amount, $10 minimum
Rates Prime+3.99%, Prime+7.99% or Prime+9.99%
Grace Period 20 - 25 days for purchases only
Overdraft Protection Advance Fee $0 through 1/31/08, thereafter $5 per transaction (additional bank fees may apply)
Late Fee $35
Minimum Payment 1% + fees and interest
1. The 0% introductory APR applies to balance transfers and is valid for the first 12 billing cycles. Balance transfer fees are waived in conjunction with this offer. Thereafter, balance transfer fees may apply. The introductory rate does not apply to Purchases or Advances as defined in the Cardmember Agreement. Introductory period will end early and the rate will increase either to the APR for Balance Transfers or a Delinquency Rate if a Minimum Payment is not received by the Payment Due Date, you Account exceeds your Credit Limit, or you close your Account. We apply payments to balances with lower APRs, including introductory APRs, before balances with higher APRs. Balance transfers made in conjunction with this offer must be transferred by April 30, 2007.
The 0% introductory APR does not apply to Cash Advances & Purchases and is valid for the first 12 billing cycles on Balance Transfers. Thereafter, the APR may vary and as of 12-01-06, the undiscounted variable APR for Purchases and Balance Transfers is 12.24%, 16.24%, 18.24% (depending on your credit history). The variable APR for Cash Advances is 24.24%. There is a variable Delinquency Rate APR of 32.24% if your payment is late or you are over the limit. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 3%, $5 minimum, Cash Equivalent fee: 4%, $20 minimum. Balance Transfer fee of 3%, $5 minimum. There is a $2 minimum finance charge where interest is due and a $2.50 closed management fee if you voluntarily close your account with a balance. Foreign Transaction fee, 3% of the amount of your transaction in U.S. dollars. The late payment fee is $35
2. To receive this one-time statement credit, you must apply for a PNC Bank Platinum Business Rewards MasterCard by 3/31/07, and once approved, activate and make the required $500 in net purchases by 6/01/07. Six to eight weeks after that, the statement credit will be posted to your Account. This offer is subject to credit card approval and your new PNC Bank Platinum Business Rewards MasterCard Account must be open and current to receive the statement credit. This statement credit offer is available only to new PNC Bank Platinum Business Rewards MasterCard accounts booked through this special offer.
3. Overdraft Protection Advance Fees will be waived until January 31, 2008, thereafter a $5 fee will apply to each PNC Bank overdraft protection advance.
