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Cedar Hill National Bank

Cato Credit Card

This credit card is recommended for people with the following credit scores: 620-719

Nationwide
Availability

Review details with the company before applying

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

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%* Purchase APR

*As of . 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

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 Annual fee
Late fee
Up to $20.00 not to exceed the minimum payment due.
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

This card does not offer cash back, travel, or other rewards.

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.