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Promotional Credit Plan

TERMS OF PROMOTIONAL CREDIT PLAN

DEFERRED INTEREST IF PAID IN FULL WITHIN 6 MONTHS

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

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.

Deferred Interest Promotional Credit Plan

Each individual purchase transaction of $149 or more that is made with a participating retailer where you use either the CFNA Mastercard or the CFNA Private Label card (each a "Qualified Purchase") will qualify for repayment under our six-month "Deferred Interest Promotional Credit Plan" as further described below.

Interest will be waived if the promotional balance (Qualified Purchase) is paid in full within six months of the Transaction Date (the "Promotional Period").

If the promotional balance is not paid in full by the end of the Promotional Period, we will impose interest charges on the promotional balance at the APR for regular purchases from the date of purchase. In addition, the promotional balance may become subject to the Penalty APR if payments are not made in accordance with the Credit Card Agreement. The Promotional Credit Plan interest charge is calculated as a separate balance from your regular purchases.

Payments

The minimum monthly payment required is based on your New Balance, including Promotional Credit Plan Purchases ("Qualifying Purchases") and other purchases, as indicated on your monthly Billing Statement.

MINIMUM MONTHLY PAYMENTS ARE REQUIRED FOR THE DEFERRED INTEREST PROMOTIONAL CREDIT PLAN.

Application of Payments

CFNA will apply your payments in accordance with the terms and conditions of your Credit Card Agreement; however, when a payment is received during the two Billing Cycles immediately preceding the expiration of the Promotional Credit Plan, we will apply any amount in excess of your required minimum payment first to that expiring Promotional Credit Plan balance. If multiple deferred interest Promotional Credit Plan balances become due in the same Billing Cycle, we will apply any amount in excess of your required minimum payment to the deferred interest Promotional Credit Plan balances in order from the oldest to the newest based on the purchase date.

Your Statement will show each Promotional Credit Plan Purchase ("Qualifying Purchase") you make in any Billing Cycle.

CFNA.com. 33.24 34.99 01/2026