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Consumer (Regular) Card Offer from Peoples Trust Bank.

Basic Information

  • True credit - no security deposit required Credit limit up to $3,000
  • Use it anywhere MasterCard® cards are accepted
  • Fixed interest rate - 29.99% for homeowners and 34.99% for non-homeowners
  • Reports to credit bureaus every month

N/A* Intro APR

N/A*Intro APR Period

See T&C*Credit Needed

25 days*Grace Period

$20.00*Late Payment Fee

APR: 29.99%* Fixed
Card Network:MasterCard
Card Type:- Card for Bad Credit
- Instant Decision Card

Card Review

Product Rating:
Ratings (4 out of 5)

In a time when understanding fee structures of financial products is challenging, anytime a credit card offer emerges with the absence of legal jargon in lieu of easier to understand language, it's worth noting. While most of us trust our financial institutions, there remain many who are feeling a bet battle weary and are unsure where to find the solutions for their needs. This is where the Affirm Financial model comes into play. It offers a MasterCard for consumers with lower fees, comparable interest rates and a host of benefits designed to ensure a solid credit offer that benefits the cardholder. With an application process that's designed to provide the perfect solution for applicants' needs, it's little wonder that many are finding a credit card designed for their unique needs and one that will serve as a strong tool versus one more unnecessary - and expensive - road block. Learn more about the Affirm Financial MasterCard today and see for yourself the difference it can make.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Other Benefits:*See terms and conditions of the card for other benefits
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 29.99%* Fixed
Annual Fee:See terms*
Maximum Credit Line:$3,000

Balance Transfers

Balance Transfer:Yes*
Minimum Fee:$25.00

Cash Advances

APR on Cash Advances:29.99%
Cash Advance Fee:4.00%
Minimum Fee:$30.00

Other Fees

Additional Fees: Foreign Currency Conversion: 1%
Authorized User Card: $20.00
Replacement Card Fee: $20.00
Returned Payment Fee: $20.00
Duplicate Copy Fee: $3.00/page
Express Card Delivery: $15.00
Reinstatement Fee: $20.00


Disclosure: This card is issued by Peoples Trust Company under license from MasterCard International Incorporated. MasterCard and MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated

* The information provided for the Affirm MasterCard Credit Card is considered to be accurate at the time of posting (Jan 6, 2017). However, we strongly advise site visitors to check the fees, terms and conditions applicable to the product on the card issuer's application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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