The True Value Credit Card lets you enjoy these benefits:

Cardmember Benefits

• 3% in rewards points earned on True Value purchases**
• No Interest if paid in full within 6 months. Interest will be charged to your account (at the standard variable APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum purchase of $299 required.†

**True Value credit card purchases made at participating True Value/Home & Garden Showplace stores and affiliated retailer will earn 3% back in the form of True Value vouchers. The True Value voucher program is provided by True Value and its terms may be changed at any time. For full rewards terms and conditions, please visit comenity.net/True Value.

†No interest if paid in full within 6 months, minimum $299 purchase required. Interest will be charged to your account (at the standard variable APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Any qualifying purchases must be made with your True Value Credit Card, True Value Discover Credit Card, Home & Garden Showplace Credit Card or Home & Garden Showplace Discover Credit Card at participating True Value locations or www.TrueValue.com. The True Value Credit Card and the Home & Garden Showplace credit card may or may not be accepted at all True Value locations. Please visit http://www.truevalue.com/store_locator.jsp or http://www.truevalue.com/assets/images/cms/pdf/HGSCCLocations.pdf to find a store near you, and contact the store directly for participation details.

For all financing plans, the total minimum payment on your account won't be less than $27.00. If your account balance is less than $27.00, you must pay the amount indicated on your statement in full. To avoid late fees, you must make your minimum payment by the due date each month. Minimum Interest is $2.00 per credit plan. The True Value Card has a standard, variable APR of 28.24% based on the Prime Rate. Promotional financing available with the True Value credit card accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility.