| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card does not offer a traditional rewards program, points, or cash back on purchases; it provides access to promotional financing and service perks instead.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Deferred Interest Promotional Financing (12 Months)
No interest if paid in full within 12 months on qualifying purchases at participating Midas locations and the Midas website; interest will be charged from the purchase date at the Purchase APR if the balance is not paid in full within the promotional period.
|
Financial | 0% interest for 12 months |
|
Deferred Interest Promotional Financing (18 Months)
No interest if paid in full within 18 months on qualifying purchases at participating Midas locations and the Midas website; interest will be charged from the purchase date at the Purchase APR if the balance is not paid in full within the promotional period.
|
Financial | 0% interest for 18 months |
|
Deferred Interest Promotional Financing (24 Months)
No interest if paid in full within 24 months on qualifying purchases at participating Midas locations and the Midas website; interest will be charged from the purchase date at the Purchase APR if the balance is not paid in full within the promotional period.
|
Financial | 0% interest for 24 months |
|
Deferred Interest Promotional Financing (6 Months)
No interest if paid in full within 6 months on qualifying purchases at participating Midas locations and the Midas website; interest will be charged from the purchase date at the Purchase APR if the balance is not paid in full within the promotional period. Minimum payments are required and are not guaranteed to pay off the balance within the promotional period.
|
Financial | 0% interest for 6 months |
|
Military Lending Act (MLA) Protections
Eligible active duty servicemembers and their dependents are subject to a 36% MAPR cap and the arbitration clause does not apply, per federal Military Lending Act requirements.
|
Financial | 36% MAPR cap |
|
No Annual Fee
The Midas Credit Card carries no annual fee for cardholders.
|
Financial |
$0 Annual Fee
Up to $0
|
|
Online Account Management & EasyPay
Cardholders can manage their account, view statements, and make payments 24/7 via the Comenity Account Center; EasyPay is available for faster bill payment without signing in.
|
Financial | Complimentary |
|
Paperless Statements
Cardholders can enroll in paperless statements to avoid the $2.99 monthly paper statement fee that applies when the balance exceeds $3.50.
|
Financial | Fee waiver via enrollment |
|
Servicemembers Civil Relief Act (SCRA) Benefits
Eligible active duty servicemembers may receive a reduced interest rate not to exceed 6% on balances incurred prior to active duty service, pursuant to the Servicemembers Civil Relief Act.
|
Financial | Up to 6% APR cap on pre-service balances |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made on their account, provided they report the unauthorized activity promptly to Comenity Capital Bank.
|
Security | Complimentary |
