Interest Rates and Interest Charges
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Annual Percentage Rate (APR) for Purchases
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Visa Platinum
8.99% to 10.50% when you open your account, based on your creditworthiness.
Visa Platinum Premier
10.25% to 11.75% when you open your account, based on your creditworthiness.
Visa Classic
12.25% to 16.75% when you open your account, based on your creditworthiness.
Visa Classic CreditSense
16.99%
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APR for Balance Transfers
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Visa Platinum
8.99% to 10.50% when you open your account, based on your creditworthiness.
Visa Platinum Premier
10.25% to 11.75% when you open your account, based on your creditworthiness.
Visa Classic
12.25% to 16.75% when you open your account, based on your creditworthiness.
Visa Classic CreditSense
16.99%
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APR for Cash Advances
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Visa Platinum
8.99% to 10.50% when you open your account, based on your creditworthiness.
Visa Platinum Premier
10.25% to 11.75% when you open your account, based on your creditworthiness.
Visa Classic
12.25% to 16.75% when you open your account, based on your creditworthiness.
Visa Classic CreditSense
16.99%
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Penalty APR and When it Applies
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17.99%
This APR may be applied to your account if you:
- Make a late payment
How long will the penalty APR Apply? If your APRs are increased for this reeason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
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How to Avoid Paying Interest on Purchases
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Your due date is at least 25 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.
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For Credit Card Tips form the Consumer Financial Protection Bureau
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To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
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Fees
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Annual Fee
- Annual Fee - Visa Platinum
- Annual Fee - Visa Platinum Premier
- Annual Fee - Visa Classic
- Annual Fee - Visa Classic CreditSense
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None
None
None
$29.00
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Transaction Fees
- Balance Transfer - Visa Platinum
- Balance Transfer - Visa Platinum Premier
- Balance Transfer - Visa Classic
- Balance Transfer - Visa Classic CreditSense
- Cash Advance Fee - Visa Platinum/Visa Platinum Premier/Visa Classic
- Cash Advance Fee - Visa Classic CreditSense
- Foreign Fee
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2.00% of the amount of each balance transfer
2.00% of the amount of each balance transfer
2.00% of the amount of each balance transfer
4.00% of the amount of each balance transfer
$5.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee:$200.00)
$5.00 or 4.00% of the amount of each cash advance, whichever is greater (Maximum Fee:$200.00)
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
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Penalty Fees
- Late Payment Fee
- Returned Payment Fee
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Up to $25.00
Up to $25.00
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