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For Building Credit

Platinum Mastercard®

Get the credit you need with no annual fee.

For Everyday Rewards

QuicksilverOne Rewards

Earn unlimited 1.5% cash back on every purchase, every day. And, you can check out quickly and securely with your contactless card.

Unlimited Travel Rewards

Venture Rewards

Earn up to 60,000 bonus miles, plus unlimited double miles on every purchase, every day

New Card Member Offer
None None Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening 1
Purchase Rate
26.99% variable APR 26.99% variable APR 17.24% - 24.49% variable APR
Transfer Info
26.99% variable APR; No Transfer Fee 26.99% variable APR; No Transfer Fee 17.24% - 24.49% variable APR; No Transfer Fee
Annual Fee
$0 $39 $95

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Rate and fee information

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Platinum
Mastercard®
QuicksilverOne
Rewards
Venture
Rewards

Infinite Trust PLC® ACCOUNT TERMS

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Transfers 26.99%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.99%.
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date.
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
Annual FeeNone.
Transaction Fees
  • Transfer Transaction Fee:
  • Cash Advance Transaction Fee:

None.
Either $10 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees
  • Late Payment
Up to $40.

Frequently Asked Questions

Preguntas Frecuentes

How Do You Calculate My Balance?
We use a method called “average daily balance (including new transactions).” See “How Do You Calculate The Interest Charge?” section below.

What Are My Billing Rights?
Information on your rights to dispute transactions and how to exercise those rights is provided in the “Your Billing Rights” section in the below Additional Disclosures.

Are There Any Other Penalty Fees Associated With This Card That Are Not Listed In The Box Above?
No. There are no additional Penalty Fees associated with this card.

What Should I Put For Total Annual Income?
You may include personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividends, retirement, and public assistance. You may also include shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else’s income that is regularly used to pay your expenses.

What Will My APR Be If I Transfer A Balance?
Any balances you transfer will receive a Transfer APR and post to your account's Purchase segment. Any balances transferred after that date will receive a Purchase APR and post to the Purchase segment of your account unless the transfer is made in connection with a future offer from us.

Can You Change My APRs?
While a late payment won’t cause your APR to increase, in the future, we may increase your APRs if market conditions change. If we increase your APRs for any reason other than an increase in the Prime Rate, the new APRs will apply only to new transactions you make after we notify you of the change in writing.

Can You Change My Account Terms?
We can change the terms of your account as permitted by law. When required, we will send you notice before doing so.

How Do You Calculate My Variable Rates?
Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition.
Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods:
Purchase APR: Prime plus 23.74%;
Transfer APR: Prime plus 23.74%;
Cash Advance APR: Prime plus 23.74%.
Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.

How Do You Determine My Credit Line?
We will determine your credit line after a review of your application and your ability to pay. If your application is approved, the minimum credit line you will receive is $300.

What Are The Daily Periodic Rates Used To Calculate My Interest?
The daily periodic rate for your
Purchase APR is 0.07395%,
Transfer APR is 0.07395%,
and Cash Advance APR is 0.07395%.
See “How Do You Calculate The Interest Charge?” section in the below Additional Disclosures.

How Do You Calculate My Minimum Payment?
If your balance is less than $25, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of $25 or 1% of your balance plus new interest and late payment fees. We will also add any past due amount to your minimum payment. If your Account charges off, the entire balance is due immediately.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Shop Online Easier and More Securely

Keep your actual card number hidden and pay for online purchases with virtual card numbers from Eno, your Infinite Trust PLC assistant.

Protect Your Card From Anywhere

Leave your card at the restaurant or drop it at the concert? Instantly lock your card with a few taps. And if you find it, unlock it just as fast.