APR is Annual Percentage Rate. All credit cards are subject to approval. See Rate & Fee Information for GreenState Credit Cards. Membership required with a $5 Share Savings deposit. Cash Advance fee of $10.00 or 4.00% of the amount of each cash advance, whichever is greater. APR for cash advances is 22.99%. Penalty APR of 22.99% may be applied to your account if you make 2 late payments. If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 

Merchants who accept Mastercard credit cards have an assigned merchant code that is determined by the merchant or its processor based on the kinds of products and services they primarily sell. GreenState makes every effort to identify relevant merchant codes that fit into one of the bonus points categories of purchases. A purchase will not earn extra bonus points if the merchant’s code is not eligible. In some cases, even though a merchant may sell items that fit within a bonus category, if the merchant does not have a merchant code in that bonus category the purchase will not earn extra points. Purchases made through third-party payment accounts, mobile card readers, mobile wallets or other similar technologies may not qualify for bonus points if the technology is not set up to process the purchase with a merchant code that has been identified as falling within a bonus points category. The accepted MCC codes by category are: Gas: 5169, 5172, 5541, 5542; Grocery: 5411, 5422, 5441, 5451, 5462, 5499; Airlines: 3000–3299, 4511; and Hotels: 3501–3834