Seattle Bank Spirit of 12 Credit Card

The Spirit of 12 Credit Card offers Fans competitive rates, the richest rewards, and exclusive Visa® Signature privileges... all with no annual fee.

Special Fan Offer

• 0.00% introductory rate for first six billing cycles on purchases and balance transfers. After that, a variable purchase and balance transfer APR will apply - currently 9.99% - 20.99%*
• Earn 2,500 first-use rewards points, redeemable for a $25 credit to your account.

Basic Good Stuff

• No annual fee*
• Unlimited 1% cash back or gift certificate and merchandise rewards
• Roundtrip airline tickets begin at 25,000 points
• Travel on any airline without frequent flyer program restrictions

Added Benefits

• Double manufacturer warranties (up to one year) on items purchased with the card
• Automatic auto rental insurance coverage
• Travel assistance to replace lost tickets, obtain medical and legal referrals
• Travel accident insurance up to $1,000,000
• Verified by Visa protection against fraud
• Special in-store and online offers from major retailers
• Complimentary concierge available 24/7 to help with dining reservations, travel arrangements, and personal services
• Zero Fraud Liability**

*The Small Print

The creditor, issuer and service provider of your Credit Card is Elan Financial Services. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 2/1/2012, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%- 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99. Cash Advance fee: [4% of each advance amount, $10 minimum]. Convenience Check fee: [4% of each check amount, $10 minimum]. Cash Equivalent fee: [4% of each cash amount, $20 minimum]. An introductory Balance Transfer fee of 3% of each transfer amount, $5 minimum, will apply to balances transferred within the first 6 billing cycles. Thereafter, Balance Transfer fee of 4% of each transfer amount, $10 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.This information is accurate as of 01/2011 and is subject to change after this date. For current information, please contact Elan Financial Services at P.O. Box 6354 Fargo, ND 58125-6354 or call us at 1-866-234-4691 (TDD 1-888-352-6455) for any changes.

** Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.