Credit Cards
Use your Community Bank & Trust credit card wherever you go.
Our Community Bank & Trust credit card saves you money. With the low interest rate and valuable benefits, the Community Bank & Trust card offers you the convenience you need when shopping, dining, traveling, entertaining, getting cash advances or purchasing goods and services over the internet.
- No annual fee
- Low interest rate
- Interest-free grace period (for purchases only; does not apply to cash advances)
- Convenient payment methods
- Cash advances
- Travel Kicks program available ($50 annual membership fee applies)
- To check your rewards status, click here DreamMiles
Apply today and enjoy all the conveniences of your Community Bank & Trust credit card. When you apply, be sure to tell us which Community Bank & Trust card you prefer. Each card features the same worldwide purchasing power.
Credit card reform: what it means for you.
Click here for important information.
Credit information & Disclosures: VISA BUSINESS CARD
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers |
9.25% |
|
Variable Rate Information |
Your APR may vary. |
|
Grace Period for Repayment of the Balance for Purchases and Cash Advances |
On purchases, you have 25 days from the billing statement closing date to repay your account before incurring FINANCE CHARGES. |
|
Method of Computing the Balance for Purchases, Balance Transfers and Cash Advances |
Average Daily Balance (including new purchases) |
|
Minimum Finance Charge |
The minimum FINANCE CHARGE for any monthly statement in which there is a finance charge shall be 50¢ (or it’s pro rata part if the statement is for less than a month). |
|
Annual Fee |
An Annual Fee of $50.00 will apply if you select the travel option program. There is no annual fee unless you select the travel option. |
|
Transaction Fee for Cash Advances |
2% of the amount advanced with a minimum charge of $2.00 and a maximum charge of $50.00. |
|
Late Payment Fee |
5% of the minimum payment with a maximum charge of $25.00. |
|
Overlimit Fee |
$29.00 Overlimit fee |
Credit information & Disclosures: STANDARD MASTERCARD/VISA CLASSIC
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers |
10.25% |
|
Variable Rate Information |
Your APR may vary. |
|
Grace Period for Repayment of the Balance for Purchases and Cash Advances |
On purchases, you have 25 days from the billing statement closing date to repay your account before incurring FINANCE CHARGES. |
|
Method of Computing the Balance for Purchases, Balance Transfers and Cash Advances |
Average Daily Balance (including new purchases) |
|
Minimum Finance Charge |
The minimum FINANCE CHARGE for any monthly statement in which there is a finance charge shall be 50¢ (or it’s pro rata part if the statement is for less than a month). |
|
Annual Fee |
An Annual Fee of $50.00 will apply if you select the travel option program. There is no annual fee unless you select the travel option. |
|
Transaction Fee for Cash Advances |
2% of the amount advanced with a minimum charge of $2.00 and a maximum charge of $50.00. |
|
Late Payment Fee |
5% of the minimum payment with a maximum charge of $25.00. |
|
Overlimit Fee |
$29.00 Overlimit fee |
Credit information & Disclosures: MASTERCARD GOLD/VISA GOLD
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers |
8.25% |
|
Variable Rate Information |
Your APR may vary. |
|
Grace Period for Repayment of the Balance for Purchases and Cash Advances |
On purchases, you have 25 days from the billing statement closing date to repay your account before incurring FINANCE CHARGES. |
|
Method of Computing the Balance for Purchases, Balance Transfers and Cash Advances |
Average Daily Balance (including new purchases) |
|
Minimum Finance Charge |
The minimum FINANCE CHARGE for any monthly statement in which there is a finance charge shall be 50¢ (or it’s pro rata part if the statement is for less than a month). |
|
Annual Fee |
An Annual Fee of $50.00 will apply if you select the travel option program. There is no annual fee unless you select the travel option. |
|
Transaction Fee for Cash Advances |
2% of the amount advanced with a minimum charge of $2.00 and a maximum charge of $50.00. |
|
Late Payment Fee |
5% of the minimum payment with a maximum charge of $25.00. |
|
Overlimit Fee |
$29.00 Overlimit fee |
* Prime Rate as reported in the Prime Rate published in the "Money Rates" column of The Wall Street Journal (Western Edition) ("Journal") on the last business day of the calendar month preceding the first day of the applicable billing cycle.
The information about the cost of the cards described in this application is accurate as of March 25, 2004 and may subsequently change. For information regarding any changes or current rates, Please call us at 615-673-7722 or write: Community Bank and Trust Company,
P. O. Box 127, Pegram, TN 37143.
