We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
Interest Rates and Interest Charges | Harris Teeter REWARDS World Mastercard® |
Annual Percentage Rate (APR) for Purchases | 11.99% to 23.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 11.99% to 23.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 25.24% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Not applicable |
How to Avoid Paying Interest on Purchases | Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $2. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Fees | Harris Teeter REWARDS World Mastercard® |
Annual Fee | |
• Annual Membership Fee
|
None |
Transaction Fees | |
•
Balance Transfer
|
Either 4% of the amount of each transfer or $10 minimum, whichever is greater. |
•
Convenience Check Cash Advance1
|
Either 4% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance ATM
|
Either 4% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance
|
Either 4% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Equivalent Advance
|
Either 4% of the amount of each advance or $20 minimum, whichever is greater. |
•
Overdraft Protection
|
None |
•
Foreign Transaction
|
None |
Penalty Fees | |
•
Late Payment
|
Up to $40 |
•
Returned Payment
|
Up to $35 |
•
Overlimit
|
None |
Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.
You are automatically enrolled in the Harris Teeter REWARDS Program when your Account is opened. You earn between 1-3 points on eligible net purchases made with your Harris Teeter REWARDS World Mastercard®. Accumulated points are exchanged for Harris Teeter REWARDS Certificates. Your Harris Teeter REWARDS Certificates are redeemable by you for purchases at the Harris Teeter Stores*. Rewards Certificates cannot be redeemed at Fuel Centers. Rewards Certificates will be awarded periodically but no less frequently than four times each calendar year when you have earned a minimum of 1,000 Rewards points (worth $10), if your Account is in good standing. Rewards points are earned as follows:
Rewards Points are earned each time you make a Purchase using your Account. You earn up to 3 Rewards Points for every dollar spent on Net purchases (defined below) based on the type of Purchase. The following chart shows the Purchase type and applicable Rewards Point level:
* Purchases from Harris Teeter Fuel Centers do not earn Rewards Points. Harris Teeter reserves the right to allow the awarding of Rewards Points for Harris Teeter Own Brand Products purchases from Harris Teeter Fuel Centers.
** Harris Teeter Own Brand Products” may include, as of the date of this Agreement, but are not limited to Harris Teeter, HT Organics, HT Traders, Hunter Farms, Simple Truth, Simple Truth Organics, Fisherman’s Market (Pre-Packaged items only), Farmer’s Market (Pre-Packaged items only), Fresh Foods Market (Pre-Packaged items only), Butcher’s Market (Pre-Packaged items only), Highland Crest, Private Selection, Abound, Luvsome, Pet Pride, Comforts for Baby. Harris Teeter reserves the right to exclude certain products from the Rewards Rewards Points calculation related to Harris Teeter Own Brand Products, including but not limited to bulk items, fuel, beer, wine, cigarettes, tobacco, pharmacy, office services and items prohibited by law. These same items except fuel, however, remain eligible for the 2 Rewards Points per dollar in Net Eligible Purchases Rewards Points calculation if purchased within Harris Teeter.
For Purchases to be eligible for Rewards Points, you must pay with your Account at the time of purchase. “Net Eligible Purchases” for a statement period are determined by totaling all new Purchases charged to the Account during the billing cycle, then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Rewards Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding Rewards Points. You do not earn Rewards Points on the following transactions with your Account: any purchase at Harris Teeter Fuel Centers, Advances (including wire transfers, traveler’s checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, INTEREST CHARGES and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchases cash convertible items that are posted to your Account. We may reverse Rewards Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Rewards Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Rewards Points are nontransferable and have no cash value. There are no limits (other than the Account credit limit) on the amount of Rewards Points Cardmembers can earn. Unused Rewards Points will expire on the first day of the 36th cycle after the cycle in which the Rewards Points were awarded. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). From time to time we may offer special promotions to provide additional opportunities to earn Rewards Points.
Rewards Redemption
Rewards Certificates will be automatically issued periodically, but no less frequently than four (4) times each calendar year, generally when you have accumulated a minimum of 1,000 Rewards Points (worth $10). Rewards Points earned that total less than 1,000 Rewards Points will remain on your Account for up to thirty-six (36) months until the 1,000 Rewards Points minimum for Rewards Certificate issuance has been met. Cardmembers can redeem Rewards Certificates at any one of the Harris Teeter in an amount that equals or exceeds the value of the Rewards Certificate. No cash back will be provided; where the Purchase is less than the value of the Rewards Certificate, no cash refund will be given for the difference. Each Rewards Certificate expires one (1) year from the date it is issued. Rewards Certificates have no cash value; they may be used only to purchase merchandise and services at Harris Teeter. Rewards Certificates cannot be redeemed at Fuel Centers. Rewards Certificates may not be used to purchase alcohol, cigarettes, tobacco or prescription products. Neither the Bank nor Harris Teeter has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Certificates.
General Program Rules
The Harris Teeter REWARDS® Program is offered by Harris Teeter. The Bank disclaims any responsibility for the Program or failure to award Rewards Points or failure to redeem Rewards Certificates. Cardmembers will receive other materials on the Program on their Account Statement from time to time which become part of the Program. The accrued amount of your Rewards Points will appear on your monthly Account statement. Contact Harris Teeter REWARDS® at 1.844.237.0596 with any questions regarding the Program. Our determination as to application of the Harris Teeter REWARDS® Program Terms and Conditions to Cardmembers shall be final and conclusive. We and Harris Teeter reserve the right to add to, amend, terminate or change the terms of the Program at any time with or without notice to you. The Program is void where prohibited by Federal, state or local law. You are solely responsible for any personal tax liability related to your participation in the Program or as a result of Rewards Points accumulated or redeemed.
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is trademark of Mastercard International Incorporated.
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