I learned about the Schumer box with standard consumer credit card info and I've seen these before and didn't realize they had a name. Let's look at my credit card Schumer boxes


Apple Card

Go to main page: https://www.apple.com/apple-card/
Go to bottom and note 3 link for Apple Card Customer Agreement pdf

Fees: None

This is one of the simplest ones you'll see because Apple wanted their card terms to be plain and not confusing and not nickel-and-dime their customers. There is interest charge if you carry a balance.

Note that Apple Cash is a different product and that has only one fee: 1.5% transfer fee from Apple Cash to a debit card.


Amazon Visa

Go to main page: https://www.amazon.com/amazon-rewards-visa-signature-card/dp/b007urftyi
And a little below click Pricing & Terms

Chase Pay Over Time has a 1.72% monthly fee which is how they make money for short term loans and I guess why these payment plan services are a growth industry. Although Apple Pay has interest free pay-over-time service it's only for Apple products bought from Apple.

Foreign Transaction Fee: None

I like to use this card for foreign transaction purchases, especially via PayPal because PP defaults to USD then charge a 3% fee.


American Express

Page with all their credit card agreements: https://www.americanexpress.com/en-us/company/legal/cardmember-agreements/?inav=us_footer_card_agreements
Find your CC (I have Blue Cash, probably Everyday not Preferred)
https://www.americanexpress.com/content/dam/amex/en-us/company/legal/cardmember-agreements/public-site-2024-q2-pdf-cmas/cps-lending/blue-cash-everyday-06-30-2024.pdf

Interest rate of 22% is really good as my other two are close to 30%

Plan fee 1.3% per month -- I think this is the pay something in installment plans.

Foreign Transaction fee: 2.7% -- so don't use AMEX for foreign transactions.