Credit Card Interest Rates, Charges and Fees
Accurate as of: January 1, 2026
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 21.75% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 27.75% This APR will vary with the market based on the Prime Rate. |
| 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 $1.50 |
| Fees | |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance and Convenience Checks | Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater. |
| Foreign Transactions | |
| International transaction fee | None |
| Penalty Fees | |
| Late Fee | Up to $39.00 |
| Returned Payment Fee | Up to $35.00 |
| Over-the-Credit-Limit | Up to $35.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. The Penalty APR will vary with the market based on the Prime Rate.
Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.
Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.
All account terms are governed by the Credit Card Agreement.
The information about the costs of the card is accurate as of January 1, 2026. This information may change after that date. To find out what may have changed, write to First Interstate Bank, Payment Services Division, P.O. Box 30918, Billings, MT 59116-0918 or call 855-342-3400.
Accurate as of: January 1, 2026
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 0.00% introductory APR for 12 months after account opening. After that, your APR will be 19.7525%. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 27.75% This APR will vary with the market based on the Prime Rate. |
| 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 $1.50 |
| Fees | |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance and Convenience Checks | Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater. |
| Foreign Transactions | |
| International transaction fee | None |
| Penalty Fees | |
| Late Payment | Up to $39.00 |
| Returned Payment | Up to $35.00 |
| Over-the-Credit-Limit | Up to $35.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. The Penalty APR will vary with the market based on the Prime Rate.
Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.
Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.
All account terms are governed by the Credit Card Agreement.
The information about the costs of the card is accurate as of January 1, 2026. This information may change after that date. To find out what may have changed, write to First Interstate Bank, Payment Services Division, P.O. Box 30918, Billings, MT 59116-0918 or call 855-342-3400.
Accurate as of: January 1, 2026
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 17.75% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 27.75% This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 32.74% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a late payment. |
| 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 $1.50 |
| Fees | |
| Annual Fee | $0.00 the first year. |
| Transaction Fees | |
| Balance Transfer | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance and Convenience Checks | Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater. |
| Foreign Transactions | |
| International transaction fee | 0.00% |
| Penalty Fees | |
| Late Payment | $30.00 |
| Returned Payment | $40.00 |
| Over-the-Credit-Limit | $35.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. The Penalty APR will vary with the market based on the Prime Rate.
Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.
Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.
All account terms are governed by the Credit Card Agreement.
The information about the costs of the card is accurate as of January 1, 2026. This information may change after that date. To find out what may have changed, write to First Interstate Bank, Payment Services Division, P.O. Box 30918, Billings, MT 59116-0918 or call 855-342-3400.
Accurate as of: January 1, 2026
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 17.75% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 27.75% This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 32.74% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a late payment. |
| 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 $1.50 |
| Fees | |
| Annual Fee | $0.00 |
| Transaction Fees | |
| Balance Transfer | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance and Convenience Checks | Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater. |
| Foreign Transactions | |
| International transaction fee | 0.00% |
| Penalty Fees | |
| Late Payment | $30.00 |
| Returned Payment | $40.00 |
| Over-the-Credit-Limit | $35.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. The Penalty APR will vary with the market based on the Prime Rate.
Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.
Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.
All account terms are governed by the Credit Card Agreement.
The information about the costs of the card is accurate as of January 1, 2026. This information may change after that date. To find out what may have changed, write to First Interstate Bank, Payment Services Division, P.O. Box 30918, Billings, MT 59116-0918 or call 855-342-3400.