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Disclosure Information for Visa Platinum, Visa Platinum Rewards, & Visa Signature

Credit Card Rates Effective January 1, 2019
Interest Rates and Interest Charges Visa® Platinum Visa Platinum Rewards Visa Signature

Annual Percentage Rate (APR) for Purchases

13.50% to 17.75%

This APR will vary with the market based on the Prime Rate

14.50% to 18.00%

This APR will vary with the market based on the Prime Rate

15.50% to 15.75%

This APR will vary with the market based on the Prime Rate

APR for Balance Transfers

13.50% to 17.75%
This APR will vary with the market based on the Prime Rate

14.50% to 18.00%
This APR will vary with the market based on the Prime Rate

15.50% to 15.75%
This APR will vary with the market based on the Prime Rate

APR for Cash Advances

13.50% to 17.75%
This APR will vary with the market based on the Prime Rate

14.50% to 18.00%
This APR will vary with the market based on the Prime Rate

15.50% to 15.75%
This APR will vary with the market based on the Prime Rate

Penalty APR and When it Applies

None

None

None

Paying Interest

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. We will begin charging interest on cash advances and balance transfers on the transaction date.

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. We will begin charging interest on cash advances and balance transfers on the transaction date.

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. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

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 www.consumerfinance.gov/learnmore.

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 www.consumerfinance.gov/learnmore.

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 www.consumerfinance.gov/learnmore.

Fees      

Annual Fee

N/A

N/A

$49 (waived the first year)

Transaction Fees

 

 

 

Cash Advance

2% of advance amount

2% of advance amount

2% of advance amount

Foreign Transaction

Exchange Rate plus 1% of transaction

Exchange Rate plus 1% of transaction

Exchange Rate

Penalty Fees
Late Payment

up to $29

up to $29

up to $29


How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases, cash advances and balance transfers). See the Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending Disclosure.

Your new credit card has a variable rate. Additional rate information is as follows:

 

  Visa Platinum Visa Platinum Rewards Visa Signature

MONTHLY PERIODIC RATE FOR APR SHOWN ABOVE FOR PURCHASES, CASH ADVANCES, AND BALANCE TRANSFERS

1.12500% to 1.47916%

1.20833% to 1.50000%

1.29166% to 1.31250%

MARGIN

8.00% TO 12.25%

9.00% TO 13.25%

10.00% TO 10.25%


The Annual Percentage rate and monthly periodic rate above is in effect until the next monthly change. Refer to your Variable Rate Credit card Agreement and Truth in Lending Disclosure for more information regarding your variable rate.

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