![]() ![]() Rates, terms and conditions are subject to change and are based on creditworthiness and qualifications.All credit cards are subject to approval.The annual percentage rate will never be greater than 18.00%. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. ![]() The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin of 9.00%. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking. Points can be converted to cash back in increments of 500 points or $5.00. ![]() Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.
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