• Why pay more for your card?  You get an exceptionally low rate with lots of free benefits! 
• 0.0% introductory APR.  This 0.0% rate is good on everything for 6 months from account opening.
• A low 8.9% APR thereafter.  This fixed rate is good on anything you want to buy… even large purchases like home electronics or airline tickets.  You’ll also receive this low 8.9% APR rate when using convenience checks or for cash advances.
• No fees for using convenience checks.  Enjoy the added flexibility of consolidating your debts, transferring balances, or for any other payments… all at the same low 8.9% APR.
• No cash advance fees.
• No annual fee.
• 25 day grace period.  No interest charged on purchases if the balance is paid in full every month by the due date.
• 24-hour cash from over 200,000 ATMs around the world.
• Personalized toll-free assistance.
• No telemarketing.
• 24-hour fraud protection.
• Manage your account online.  Free online access to balance information, recent transactions, payment activity and to view prior statements.
• Online Shopping Protection.  Enjoy added security for all your online purchases.  Learn more about our free MasterCard SecureCode service.

Peace of mind services included at no cost: 

• Identity theft victim assistance
• Identity theft insurance
• Payment card registration
• Extended Warranty
• 90-Day Product Protection
• Price guarantee
• Concierge services
• Personal shopper
• Travel reservation services
• Family medical information card.

Three easy ways for quick approval are available:

1.       Apply online

2.       Call the Loan Department to have your MasterCard approved by phone or to have an application mailed to you: 
305-329-1400 Press 2, then 1, then 1, or

1-800-609-3277 Press 2, then 1 then 1.

3.       Stop by our Main Office: 400 N.W 2^nd Avenue, Suite 309, Miami, FL 33128.