Pricing & Terms

Please take a moment to carefully review the Pricing & Terms below.

Pricing Information

Interest Rates and Interest Charges

Purchase Annual Percentage Rate (APR)

14.24%. This APR will vary with the market based on the Prime Rate.a

0% Promo APR for the first six billing cycles following the purchase date for each qualifying Disney vacation package purchase, provided your account is not past due on the purchase date.d After that, 14.24%. This APR will vary with the market based on the Prime Rate.a

Balance Transfer APR

14.24%. This APR will vary with the market based on the Prime Rate.a

Cash Advance APR

19.24%. This APR will vary with the market based on the Prime Rate.b

Overdraft Advance APR

19.24%. This APR will vary with the market based on the Prime Rate.b

Penalty APR and When It Applies

24.24%. This APR will vary with the market based on the Prime Rate.c

The Penalty APR will be applicable to your Account if you:

  • fail to make any Minimum Payment by the date and time due (late payment);
  • exceed your credit limit;
  • make a payment to us that is returned unpaid; or
  • do any of the above on another account or loan you have with us or any of our related banks.

How Long Will the Penalty APR Apply: If your APRs are increased for any of these reasons, the Penalty APR will apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you periodic interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers, cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge

None

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 the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Membership Fee

None

Transaction Fees

Balance Transfers

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advances

Either $10 or 3% of the amount of each transaction, whichever is greater.

Foreign Transactions

3% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Up to $15 if the balance is $250 or less; up to $35 if the balance is over $250.

Over-the-Credit-Limit

None

Return Payment

Up to $29.

Return Check

Up to $29.

Note: This account may not be eligible for balance transfers.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 2/22/2010.

aWe add 10.99% to the Prime Rate to determine the Purchase/Balance Transfer APR.

bWe add 15.99% to the Prime Rate to determine the Cash/Overdraft Advance APR.

cWe add 20.99% to the Prime Rate to determine the Penalty APR. Maximum APR 27.99%.

dCertain restrictions and exclusions apply. You will receive complete terms and conditions once you become a cardmember.

TERMS & CONDITIONS

Authorization: When you respond to this credit card offer from Chase Bank USA, N.A., a subsidiary of JPMorgan Chase & Co. ("Chase", "we", or "us"), you agree to the following:

  1. You authorize us to obtain credit bureau reports that we will use when considering your application for credit. You also authorize us to obtain credit bureau reports and any other information about you in connection with: 1) extensions of credit on your account; 2) the administration, review or collection of your account; and 3) offering you enhanced or additional products and services. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.

  2. If an account is opened, you will receive a Cardmember Agreement and Terms and Conditions of the Disney Rewards® Program with your card(s). You agree to the terms of the Cardmember Agreement and the Terms and Conditions of the Disney Rewards® Program by: using the account or any card, authorizing their use, or making any payment on the account.

  3. When you give us your mobile phone number, we have your permission to contact you at that number about all your Chase or J.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences.

  4. Balance transfers will be applied to your account and sent to your designated payee(s) 13 days after your account is opened. During this time period, you may cancel or modify your balance transfer request by calling the number on the back of your card.

  5. Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Cardmember Agreement.

Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may not receive a card.

You must be at least 18 years old to qualify (19 in AL and NE). An applicant, if married, may apply for a separate account.

We reserve the right to change the benefit features associated with your card at any time.

New York Residents: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative list of credit card rates, fees, and grace periods.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. Married Wisconsin residents must furnish their (the applicant's) name and social security number as well as the name and address of their spouse to Cardmember Service at P.O. Box 15218, Wilmington, DE 19850-5218.

Balance Transfer Option

Affiliate Information Sharing: We and our affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would prefer that we do not share information from your application, credit bureaus or third parties, please call us at 1-888-868-8618. For more information about our information handling policies, visit us on the web at http://www.chase.com/privacypolicy.

Replying to this offer: If you omit any information on the form, we may deny your request for an account. You must have a valid permanent home address within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 2/22/2010. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.

USA PATRIOT Act: Please note: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account such as your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents.