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Special low introductory APR* on purchases and balances transfers for up to 365 days

Experience our lowest rates available for a limited time only.
 Move your high-interest rate credit card balances and enjoy a special low-rate on any purchase. 


Get immediate savings:

0% APR* on balance transfers

1.99% APR* on purchases
for up to 365 days

after that, a variable rate,
currently 8.75% - 16.75% based on your creditworthiness

  • No annual credit card fees so you can save your money for the things that matter most
  • Enjoy the convenience of applying for your card online or by phone from the comfort of your home, whether you’re in Detroit, Traverse City,

    Grand Rapids or Ann Arbor, MI or elsewhere.

  • Promotional offers are available for both current cardholders and new cardholders
  • 3% balance transfer fee will apply on balance transfers



Apply Now

*Offer available for new and existing cardholders. For new cardholders, application subject to approval based on overall creditworthiness factors. Purchase promotional rate and balance transfer promotional rate are valid for up to 365 days from the date the transaction posts to the account between 3/15/21 and 9/30/21 then a variable rate currently between 8.75% - 16.75%. Offer only valid on Achieve Card. Balance transfer fee is 3% of amount transferred. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S and/or for each transaction in U.S. dollars completed in a foreign currency applies. Cash advance fee $10 or 2.00% of the amount of each cash advance, whichever is greater. Current Cash Advance APR is 21.75%. Offer may be modified or discontinued at any time.

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Routing Number: 272479841