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Bank One

APR: 0%

Get the card that always gets you to the magic faster - Disney's VisaŽ Credit Card from Bank One. You're closer than ever to a Disney vacation and special Disney merchandise! Get the Disney's Visa Card and enjoy these benefits!
Earn a full 1% in Disney Dream Reward DollarsSM on your card purchases1
No Annual Fee
Unparalleled flexibility you can use your Disney RewardsSM in combination with other money-saving offers with no block­out dates
0% intro APR for 6 months on purchases and balance transfers*
0% APR for up to 6 months on select Disney vacation packages!2

Annual Percentage Rate (APR) for purchases (including balance transfers, excluding overdraft advances):
A 0% fixed APR for the first 6 billing cycles following the opening of your account.
After that, 10.90% variable,112.90% variable or 14.90% variable, depending on our review of your application and credit history.
For each qualifying Disney vacation package purchase,2 provided your account is not past due on the purchase date: 0% for up to six billing cycles following the purchase date (promotional period).
Other APRs:
Cash Advance APR: 19.99% variable
Late Payment APR: Late once during introductory period: Depending on our review of your application and credit history, 10.90% variable, 12.90% variable or 14.90% variable on purchases. Late twice in any six-month period: 19.99% fixed on all balances. Late once during any promotional period: 10.90% variable, 12.90% variable, 14.90% variable, or 19.99% fixed depending on the number of late payments prior to the promotional period.
Overdraft Advance APR: 13.99% fixed (not available in some states)
Variable rate information:
The following APRs may vary monthly based on the Prime Rate:3
Purchase APR equals the Prime Rate plus, as applicable, 6.90%, 8.90% or 10.90% if your payment is late during the introductory period, or after the introductory period.
Cash advance APR equals the Prime Rate plus 15.99%.
Grace period for repayment of purchase balances:
At least 20 days, but none for balance transfers, convenience checks, or overdraft advances, if applicable.
Method of computing the balance for purchases:
Two-cycle average daily balance method (including new purchases).
No Annual Fee
Minimum finance charge: $1.00
Transaction fee for certain purchases:
Purchase of wire transfers, money orders, or similar cash-like transactions; lottery tickets, casino gambling chips, race track wagers, or similar betting transactions; foreign currency and travelers checks from other than a bank: 3% of the amount of each purchase, but not less than $5.00.
Transaction fee for balance transfers/convenience checks:
3% of the amount of each transaction, but not less than $5.00 nor more than $50.00.
Transaction fees for cash advances:
All cash advances: 3% of the amount of the advance, but not less than $5.00.
Other fees:
Late Payment fee: $14.00 on balances up to, but not including, $150; $28.00 on balances of $150 up to, but not including, $1200; and $34.00 on balances of $1200 and over. However, if you already have made one or more late payments in the prior 12 month period, $34.00 regardless of the amount of your balance.
Over-the-Credit-Limit fee: $27.00
1,You understand that the terms of your Account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement.
2,Certain restrictions and exclusions apply. You will receive complete terms and conditions once you become a cardmember.
3,The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.00% prime rate on 1/14/2004 .



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