DEFERRED INTEREST IF PAID IN FULL WITHIN 6 MONTHS

$149 Minimum purchase required. If the purchase balance is not paid in full within 6 months, interest will be imposed from the purchase date as described herein.

^*MINIMUM MONTHLY PAYMENTS REQUIRED. Minimum Finance Charge: $2.00. Subject to credit approval. Terms and conditions apply.

Private Label credit card Annual Percentage Rate (“APR”): 34.990%

Mastercard credit card Annual Percentage Rate (Mastercard APR): 33.240%

• The Mastercard APR is variable and is subject to change as set forth in the Credit Card Agreement and/or Pricing Information. The Mastercard APR will not exceed 34.990%
• The Mastercard APR reflected above was effective as of January 31, 2026. The APR may have changed. To find out what may have changed, please write us at: Credit First National Association, Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.

^§Limited time offer. Restrictions apply. Void where prohibited. Each merchant is assigned a merchant category code (MCC) which is determined based on the type of products or services the merchant primarily offers. Fuel and electric vehicle charging stations are assigned an MCC of 5541, 5542 and 5552. To qualify, the purchase must be made at a participating Mastercard retailer who is assigned an MCC of 5541, 5542 or 5552 between July 15, 2026 and August 31, 2026. The calculation of myCFNA Rewards points is based on your net purchases (purchases minus any returns or adjustments). No cash value. Rewards points can take up to 30 days to post to your myCFNA Rewards account after a purchase is made. See myCFNA Rewards Terms and Conditions for details at: CFNA.com/myCFNARewards. CFNA Credit Card subject to credit approval. All trademarks and brand names belong to their respective owners. Mastercard and the circles design are registered trademarks of Mastercard International. myCFNA Rewards is operated and funded by the credit division of Bridgestone Retail Operations, LLC. All rights reserved.

^§§For every eligible contactless transaction made at, and reported from, qualifying restaurants and grocery stores (as defined by the applicable Mastercard Merchant Category Code) with a U.S. issued Mastercard, Mastercard will donate one cent (US $.01), up to US $5 Million, to Stand Up To Cancer (“SU2C”). Learn more about contactless payment at: https://www.mastercard.com/us/en/personal/ways-to-pay/contactless.html. Promotion begins at 12:00am ET on 7/14/26 and ends at 11:59pm ET on 8/31/26 or when US $5 Million donation max is reached, whichever comes first. Qualifying purchases can only be made at U.S. restaurants and grocery stores as defined by the applicable Mastercard Merchant Category Code. Debit PIN, International transactions and transactions processed on a non-Mastercard operated network are ineligible. Mastercard relies on third parties to classify a transaction. In the event that a qualifying contactless transaction is not classified as a contactless transaction or under a qualifying Mastercard Merchant Category Code by a third party and reported to Mastercard, but would otherwise have been a qualifying transaction, transaction will not count as a qualifying transaction and will not result in a donation to SU2C. See full terms at http://mastercard.com/SU2C. Stand Up To Cancer is a 501(c)(3) charitable organization.