Annual Percentage Rate (APR) (based on creditworthiness)
APRs range from 19.24% - 29.99%, depending upon creditworthiness. This is a variable APR determined by adding a margin of 14.24% to 25.24% points to the Prime Rate Index.
Up to $5,000, depending upon creditworthiness.
Dell Preferred Account rates can increase or decrease with changes in prime rate. Rates are based on adding a margin (based on WebBank’s review of your credit bureau file) to the prime rate.
Grace Period for Repayment of Balance for Purchases
Your due date is at least 22 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge is $2.00. Interest Charges are based on average daily balance.
Promotional Financing Offers
Subsequent purchases may be subject to different promotional financing terms depending on the promotional financing offers available at time of purchase.
Minimum Monthly Payment
Payments equal 3% of your balance or $20, whichever is greater.
Transaction Fee for Purchases
Late Payment Fee
Up to $27 for the first late payment. Up to $37 for additional late payments within the next 6 billing cycles.
Expedited Payment Fee
If you ask for an expedited payment, receive the assistance of a DFS representative, and agree to pay a fee, your payment will be credited the day it is initiated. The fee for this expedited payment will not exceed $15.
Returned Payment Fee
Up to $27 for the first return payment. Up to $37 for additional return payments within the next 6 billing cycles.
Online Account Management Fee
Terms and Conditions
How We Will Calculate Your Balance
We use a method called “average daily balance” (including new purchases). See your account agreement for more details.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau