Introduction
This article covers the costs of carrying a Coign card: the annual fee, how our variable APRs work, foreign transaction fees, and how to avoid interest charges altogether. For the full details on rates and terms, see our application disclosures.
What is the annual fee?
The annual fee for being a proud Coign-wielding American is $0.00.***
However, like our country, all Coigners have a responsibility to grow it, protect it and make it amazing.
***See pricing and terms for more information.
(https://coign.com/disclolsures/applicationdisclosures)
What are the Annual Percentage Rates?
Coign's Annual Percentage Rates for purchases and balance transfers are —% to —% variable. APR will vary based off the prime rate.
- See application disclosures for more information
What is the prime rate?
The prime rate is the interest rate that commercial banks charge their most creditworthy corporate customers.
What would my Annual Percentage Rate be with (Credit score)?
Currently, we have several financial factors along with your credit score we use to determine the Annual Percentage Rates, as well as approval odds. Unfortunately, we would be unable to determine a possible Annual Percentage Rate or credit limit without the application being completed.
Are there any foreign transactions fees?
Coign does not have any foreign transactions fees.
- See application disclosures for more information
Are there any options for lower Annual Percentage Rates?
At this time, —% is the lowest Annual Percentage Rate we have. As we continue to grow and expand, we do plan to make changes to the range of our interest rates.
- See application disclosures for more information
If you pay your balance off every month is there any interest charge?
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
- See application disclosures for more information
Need more information?
You can reach out and speak to an agent at 833-690-2471 during the following hours:
Monday-Friday: 7am - 6pm CST
Saturday: 9am - 2pm CST
Here is link to our disclosures: https://www.coign.com/disclosures
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