Epic Rewards Whether you’re booking a dream vacation or paying at the pump, the Epic Rewards Credit Card pays you back every time you shop. It’s convenient, secure, and offers rewards on all qualified purchases on top of other great benefits, like an introductory 0% APR1 for the first 6 months, and low rates. Up to 5% back on qualified purchases+ A perfect credit card to pair with your Epic Premium Checking Account! Easy cash advances and low rates. Pay your credit card balances in any branch, online through CBC Online Access, or by mail. Earn6-Month Intro Rateas low asThereafter as low as5% back on Gas & Travel* 3% back on Groceries* 1% back on Everything Else**0% APR114.24% APR1 *On qualified purchases up to $6,000 annually**Unlimited back on qualified purchases.+See Rewards Program Guide for program details Get Started Today! Apply Now CBC Visa® Cardholder Benefits Auto Rental CDW – Visa® Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. Personal ID Theft – The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000, as a result of a Covered Stolen Identity Event. Security and support designed to keep your transactions and personal information safe. Learn more. Falcon Fraud Detection System – This service provides you with additional VISA® Credit protection against fraud and theft. With the Falcon Fraud system, you receive continual monitoring of your card activity to help identify and prevent fraudulent transactions on your account. To report fraud or a lost or stolen card after hours call 800-234-5354. EMV Chip Technology – EMV technology adds a layer of security to your card that makes it virtually impossible for fraudsters to duplicate. Credit Card Disclosure VISA Credit Card Application and Solicitation Disclosure 1 APR = Annual Percentage Rate. Annual Percentage Rate (APR) for PurchasesVisa Platinum0% to 0% Introductory APR for 6 months from issuance of the card, based on your creditworthiness.After that, your APR will be 12.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa0% to 0% Introductory APR for 6 months from issuance of the card, based on your creditworthiness.After that, your APR will be 14.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.APR for Balance TransfersVisa Platinum0% to 0% Introductory APR for 6 months from issuance of the card, based on your creditworthiness.After that, your APR will be 12.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa0% to 0% Introductory APR for 6 months from issuance of the card, based on your creditworthiness.After that, your APR will be 14.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.APR for Cash AdvancesVisa Platinum12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa14.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.Penalty APR and When it AppliesVisa Platinum18.00%EPIC Rewards Platinum Visa18.00%This APR may be applied to your account if you:– Make a late payment.How Long Will the Penalty APR Apply?If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.How to Avoid Paying Interest on PurchasesYour 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.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.50For Credit Card Tips from the Consumer Financial Protection BureauTo 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 Annual Fee– Annual FeeNONETransaction Fees– Balance Transfer Fee– Cash Advance Fee– Foreign Transaction FeeNONE$5.00 or 3.00% of the amount of each cash advance, whichever is greater3.00% of each transaction in U.S. dollarsPenalty Fees– Late Payment Fee– Returned Payment FeeUp to $25.00Up to $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the issuance of your card. Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days late in making a payment. Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. Minimum Interest Charge: Except as limited by applicable law, a minimum interest charge may be assessed to your account on amounts above $25.00 Effective Date: The information about the costs of the card described in this application is accurate as of: 09/01/2022 This information may have changed after that date. To find out what may have changed, contact the Credit Union. Other Fees and Disclosures Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you do not make the required minimum payment by the statement due date. Cash Advance Fee (Finance Charge): $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. Card Replacement Fee: $10.00 Emergency Card Replacement Fee: Up to $165.00. Rush Fee: $35.00 a second day. Statement Copy Fee: $5.00 per document. Related Products Epic Premium Checking Epic Premium comes with all the perks of Epic Checking, and more! Get a 0.5%… Continue Reading Platinum Visa Platinum Visa Low rates are standard with your CBC Visa Platinum credit card. Save by taking… Continue Reading Personal Line of Credit With a CBC Personal Line of Credit, you’ll have the flexibility you need to deal… Continue Reading