Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
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Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the Credit Builder Savings account and the Credit Builder credit card without closing the savings account and the credit card.
25.99% APR
Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges on purchases or balance transfers if you pay your entire balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.
Annual fee: none. Balance Transfer fee: None. Cash Advance Fee: $5.00 or 2% of the amount advanced, whichever is greater. Currency Conversion Transaction Fee: 1.0% of each transaction in US Dollars, if currency conversion occurs. International Transaction Fee: 8.8% of each transaction in US dollars, if no currency conversion occurs.
Late Payment fee up to $25.00. Return payment fee up to $25.00. No over the limit fee. Card replacement fee is $5.00 per card prior to the normal reissue date. Copying fee is $4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when resolving a billing dispute.
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, "average daily balance (including new purchases and balance transfers)." See the Card Agreement for more details.
The disclosures above are accurate as of the printing date of November 1, 2022, and are subject to change thereafter. Please contact us for information on any changes, call 877-712-2265 or by writing to us at the following address:
Academy Bank, N.A. Attn: Credit Card Department PO Box 26458, Kansas City, MO 64196
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