One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
16.25%
Annual fee
$50
0% intro
2.90%
0% transfer
2.90%
Foreign fee
None
Grace period
25 days
Contract X-Ray — what's buried in the fine print
1 red flag · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Jonah Bank Of Wyoming. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~19.25%
Show the exact wording ↓Hide wording ↑
“…2.90% Introductory APR for six months. After that, your APR will be Cash Advances 16.25%. This APR will vary with the market based on the Prime Rate. Penalty APR and When 19.25% it Applies This APR may be applied to your account if you allow your Account to become 60 days past due. How Long Will the Penalty AP…”
“…2.90% Introductory APR for six months. After that, your APR will be 16.25%. This Cash Advances APR will vary with the market based on the Prime Rate. Penalty APR and When 19.25% it Applies This APR may be applied to your account if you allow your Account to become 60 days past due. How Long Will the Penalty AP…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.25%
Median16.25%
Highest offered16.25%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.90%
Median2.90%
Highest offered2.90%
Balance transfer APR
Promotional window: 6 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.90%
Median2.90%
Highest offered2.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.25%
Median16.25%
Highest offered16.25%
Every fee on this card
Annual fee$50
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Late fee policy: $10 or the amount of the required minimum payment, whichever is less
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
None reported
Features
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Other
Issuer note: Merchandise and Gift Cards
Who can get this card
AvailabilityOne State/Territory
StatesWY
Membership requirementsOpen to the public
Phone866-504-5111
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer feenot reported
Promo interest at 2.90%$36.25
Net savingunknown
This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.25% afterwards.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$50
Total yearly cost$537.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Jonah Bank Of Wyoming in the 2026 Q1 archive.