Alphaeon Credit fee table
| Item | Amount | Notes |
|---|---|---|
| Purchase APR | 32.99% | Variable. Applies to non-promo balances and after promos end. |
| Penalty APR | Up to 39.99% | Can apply after a late or returned payment. |
| Minimum interest charge | $3 | When any interest is due. |
| Late payment fee | Up to $30 / $41 | $41 if you were late in any of the prior six billing periods. |
| Returned payment fee | Up to $30 / $41 | If your bank rejects a payment. |
| Annual fee | $0 | No yearly cost. |
| Cash advance / balance transfer | Not available | The card is for purchases at enrolled practices only. |
Rates are variable and can change. Your own terms are in your cardholder agreement and on each statement.
How the 32.99% APR works
The standard purchase APR applies to any balance that isn’t on a promotional plan, and to promo balances after the promo ends. On deferred-interest plans, it’s also the rate used to calculate the interest that’s added if the promo isn’t paid in full. There’s a grace period of at least 21 days: pay non-promo purchases in full by the due date and you won’t be charged interest on them.
Late fees and the penalty APR
The late fee can’t be more than the minimum payment that was due. A penalty APR may apply to your account after a late or returned payment, and it can stay in place until you make a run of on-time payments. Check your agreement for the exact rules.
The simplest way to never pay a late fee is autopay for at least the minimum.
How the minimum payment is calculated
Your minimum payment is generally any past-due amount plus about 3.5% of your balance, rounded up. Equal-payment plans add their fixed monthly amount. If your balance is small, the minimum may be the full balance.
That gap is why minimum payments rarely clear a deferred-interest promo in time.
Frequently asked questions
What is the Alphaeon Credit card APR?
The standard variable purchase APR is 32.99%. A penalty APR of up to 39.99% can apply after a late or returned payment.
How much is the Alphaeon Credit late fee?
Up to $30 if you haven’t paid late in the prior six billing periods, and up to $41 otherwise.
Does Alphaeon Credit have an annual fee?
No. The card has a $0 annual fee.
Can I get a cash advance with Alphaeon Credit?
No. Cash advances and balance transfers aren’t available. The card is for purchases at enrolled practices.