Cedar Hill National Bank Cato Credit Card | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

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Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

22.9%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	22.9%	2 dollar sign symbols Pay average interest
720+	22.9%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 28 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: Up to $20.00 not to exceed the minimum payment
Over-limit fee: None
Return check fee: $25 (If a payment is returned unpaid, a return payment fee can be assessed up to $25.00 based on the minimum payment due)
Expedited Payment Fee: $1 (It is charged when a payment is made by phone with Customer Service Assistance)

Rewards and perks

Other

Other rewards: Customers can earn a $5.00 reward for every $250.00 spent, rewards cards can be used towards purchased made in Cato Stores

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

This card does not offer cash advances.