Mid America Bank & Trust Company

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 23.90%
APR for Cash Advances 23.90%
How to Avoid Paying Interest on Purchases 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. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
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.
Set Up and Maintenance Fees


NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on an initial credit line of $300, your initial available credit will be only about $265.

  • Priority Processing
$25 (one-time)
  • Annual Fee
Transaction Fees
  • Cash Advance
Either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).
  • Foreign Transaction
1% of transaction amount.
Penalty Fees  
  • Late Payment
Up to $37
  • Overlimit
Up to $35
  • Returned Payment:
Up to $37

How We Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”.