Visa Credit Card Account Terms

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Visa Classic Credit Card

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99%
APR for Balance Transfers 2.99% introductory APR for 6 months from the date of the transfer. After that, the APR will be 12.99% APR.
APR for Cash Advances 12.99%
Penalty APR and When it Applies N/A
How to Avoid Paying Interest on Purchases Your due date is at least 25 days for Purchases after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
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 N/A
Membership Fee None
Transaction Fee: Balance Transfer None
Transaction Fee: Cash Advance None
Transaction Fee: Foreign Transaction 1.0% for multi-currency transactions and 1.0% for single currency transactions
Penalty Fee: Late Payment Up to $25.00
Penalty Fee: Over the Credit Limit None
Penalty Fee: Returned Payment Up to $20.00
Other Fees None

Visa Platinum Credit Card

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 8.99%
APR for Balance Transfers 2.99% introductory APR for 6 months from the date of the transfer. After that, the APR will be 12.99% APR.
APR for Cash Advances 8.99%
Penalty APR and When it Applies N/A
How to Avoid Paying Interest on Purchases Your due date is at least 25 days for Purchases after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
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 N/A
Membership Fee None
Transaction Fee: Balance Transfer None
Transaction Fee: Cash Advance None
Transaction Fee: Foreign Transaction 1.0% for multi-currency transactions and 1.0% for single currency transactions
Penalty Fee: Late Payment Up to $25.00
Penalty Fee: Over the Credit Limit None
Penalty Fee: Returned Payment Up to $20.00
Other Fees None

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