Credit card rates & fees

Last updated August 18, 2026

Rates and fees below apply to personal credit cards issued by Acme Trust Bank. Promotional balance transfer pricing reverts to the standard cash advance rate when the offer period ends or if a required payment is missed.

Acme Rewards Visa

Rate type	APR
Purchases	20.24%
Cash advances	22.24%
Balance transfers (promo 18 months)	0.00%

Penalty APR of 29.99% may apply if you are more than 60 days past due on a required payment. See your card agreement for details on when penalty pricing applies and how to restore standard rates.

Acme Low Rate Mastercard

Rate type	APR
Purchases	13.49%
Cash advances	18.49%

Common fees

Fee	Amount
Annual fee (Rewards Visa)	$89
Annual fee (Low Rate Mastercard)	$0
Late payment	Up to $40
Foreign transaction	2.8% of amount

Interest-free days apply only if you pay the full closing balance by the due date each month on the Rewards Visa. Cash advances attract interest from the date of the transaction and do not qualify for interest-free treatment.

Balance transfer offers can include a one-off handling fee and may revert to the standard cash advance rate early if you miss a payment.

Reward point earning caps, travel insurance eligibility, and card replacement fees are described in the card booklet.

Foreign transaction fees are charged in addition to any currency conversion performed by the merchant or payment network.