How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your Credit Card Agreement for more details.

How Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods.

‍Prime Rate: U.S. Prime Rate effective as of September 25, 2025 is 7.25%.  

Purchase APR - Prime Rate plus a margin rate 20.99% is 28.24%.  

The daily periodic rate for your Purchase APR is 0.0784%.

Your APR will never exceed 36%.  

‍Payment Allocation. When you make a payment, generally, we first apply your payment to the Minimum Payment on your monthly statement. Any payment above your Minimum Payment would generally then be applied to the balance on your monthly statement with the highest APR first. If you do not pay your New Balance, as shown on your Statement, in full each month, you may not be able to avoid interest charges on new purchases. We apply payments to balances as they appear on your monthly statement before being applied to new transactions. An example of a new transaction is a recent purchase you made that has not yet been included in the New Balance as shown on your Statement. 

‍About the GolfCard World Mastercard. The GolfCard World Mastercard is issued by Celtic Bank (“Bank”) pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Application Information, Card Agreement, and State Disclosures

‍Application. By submitting this application, you request that the Bank issue you a GolfCard World Mastercard and a corresponding credit card account (“Card Account”) for you. You agree that all information provided in this application must be verifiable and accurate.  GolfCard Financial Services, Inc. (“GolfCard” or “Program Manager”) is the Bank’s program partner responsible for managing the Card Account and providing customer service on the Bank’s behalf.

‍Credit Reports. You authorize the Bank, and/or GolfCard, as the Program Manager on the Bank’s behalf, to obtain consumer credit reports that it will use when considering your application for credit. If you become a GolfCard World Mastercard cardholder, you also authorize the Bank, or the Program Manager on the Bank’s behalf, to obtain consumer credit reports from time to time and any other information about you in connection with any legal or commercial purpose, including:

You acknowledge that each time the Bank, or the Program Manager on the Bank’s behalf, requests your credit information for the purposes described herein that your credit score may be impacted. If you ask us, we'll tell you whether we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.

You are allowed to receive one free consumer report under the Fair Credit Reporting Act from each of the three U.S. national credit reporting agencies (Experian, Equifax, and TransUnion) during any 12-month period. You may also be able to receive free consumer reports as permitted by state law. For information on obtaining a free consumer report from Experian, Equifax or TransUnion, you may contact them directly at www.experian.com, www.equifax.com, and www.transunion.com.

‍Card Agreement. The GolfCard World Mastercard and the Card Account is governed by the terms of the card agreement (“Card Agreement”) provided when the GolfCard World Mastercard is issued. You can find the Card Agreement here.

‍Alabama Residents. If you are 18 years of age, by accepting a credit product you are confirming that you are of sound mind and unemancipated.

California Residents: The applicant, if married, may apply for a separate account. After credit approval: (a) each applicant shall have the right to use this account to the extent of any credit limit set by the creditor; and (b) each applicant may be liable for all amounts of credit extended under this account to each joint applicant. 

You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

‍Florida Residents: You (borrower) agree that, should we (creditor) obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided under Florida and Federal law. 

Maryland Residents: To the extent, if any, that Maryland law applies to your Account, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 

‍Massachusetts Residents: Massachusetts law prohibits discrimination on the basis of race, color, religious creed, national origin, sex, gender identity, marital status, or sexual orientation.

‍New York Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the Account or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on your Account. Upon your request, you will be informed if such a report was requested. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or https://www.dfs.ny.gov/ to obtain a comparative listing of credit card rates, fees and grace periods. 

‍Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

‍Rhode Island Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the Account or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on your Account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report.

‍South Dakota Residents: If you believe there have been any improprieties in making this loan or in the lender’s loan practices, you may contact the South Dakota Division of Banking at 1714 Lincoln Ave., Suite #2, Pierre, SD 57501 or by phone at (605) 773-3421.

‍Washington Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this Agreement, which is the complete and exclusive statement of the agreement between you and us, except as we may later agree in writing to modify it. 

‍Wisconsin Residents: If you are married, please contact us immediately upon receipt of this Agreement at support@thegolfcard.com and provide us the name and address of your spouse. We are required to inform your spouse that we have opened an Account for you. 

Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. 

‍Notice To Utah Borrowers: This written Agreement is a final expression of the Agreement between you (borrower) and us (creditor). This written Agreement may not be contradicted by evidence of any oral agreement between you and us.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

‍The following is required by Vermont law: notice to co-signer: your signature on this note means that you are equally liable for repayment of this loan. If the borrower does not pay, the lender has the legal right to collect from you. 

Notice to all Vermont Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the Account or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on your Account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report.

‍Communications. You agree that we, Program Manager, and either of our service providers may contact you at any phone number provided, email address, or mailing address. This includes communications to a mobile or similar device. We may contact you by live person, auto dialer, recorded or artificial voice, text, or email. See your Credit Card Agreement for more details. 

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account.

What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

‍Pure Golf Rewards Program

‍We will email you the Pure Golf Rewards Program Terms & Conditions with your GolfCard World Mastercard. You can earn rewards when certain activities or transactions take place related to your Card Account. The types of rewards you can earn, the value of the rewards, how you can redeem rewards, and special conditions regarding rewards types are set forth in the Pure Golf Rewards Program Terms & Conditions. GolfCard reserves the right to impose limitations or other restrictions on how you earn rewards, the value of the rewards, how you redeem rewards, and on any other aspect of the Pure Golf Rewards Program Terms & Conditions.