Interest Rate and Interest Charges | |
|---|---|
| Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances | 9.90% - 18.90% Visa Platinum Plus 10.90% - 20.90% Visa Platinum Rewards 13.90% - 23.90% Visa Platinum |
| Minimum Monthly Payment | Up to 3% of the new balance, but at least $20 or the new balance if less than $20. |
| How to Avoid Paying Interest on Charges | 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 or Balance Transfers on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.00. |
| 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. |
Fees | |
|---|---|
| Annual Fee | None |
| 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 | $10 |
How will we calculate your balance: We use a method called "Average Daily Balance" (including new purchases).
