Credit Card Disclosure

Interest Rate and Interest Charges

Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances9.90% - 18.90%
Visa Platinum Plus

10.90% - 20.90%
Visa Platinum Rewards

13.90% - 23.90%
Visa Platinum
Minimum Monthly PaymentUp to 3% of the new balance, but at least $20 or the new balance if less than $20.
How to Avoid Paying Interest on ChargesYour 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 or Balance Transfers on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Annual FeeNone
Transaction Fees
Balance Transfer
$15 or 3% of the amount of each transaction, whichever is greater.
Foreign Transaction
1% of transaction in U.S. dollars.
Cash Advance
2% of advance amount;
minimum $1, maximum $5
Penalty Fees
Late Payment
Up to $20
Returned Payment
Up to $20
Other Fees
Replacement Card

How will we calculate your balance: We use a method called "Average Daily Balance" (including new purchases).