Visa Credit Card Disclosures and Fees
We offer a variety of credit card options to fit your lifestyle with rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!1
Below you will find the current rates for all of our Visa Credit Card options
as well as applicable fees and disclosures.
Interest Rates and Interest Charges
Platinum A+ No Rewards | Platinum A+ With Rewards | Platinum A with Rewards | Platinum with Rewards | Student with Rewards | |
---|---|---|---|---|---|
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness. | 6.9% | 8.9% | 10.9% | 12.9% | 14.9% |
APR for Balance Transfers | 6.9% | 8.9% | 10.9% | 12.9% | 14.9% |
APR for Cash Advances | 6.9% | 8.9% | 10.9% | 12.9% | 14.9% |
Penalty APR | NONE | NONE | NONE | NONE | NONE |
How to avoid paying interest on Purchases: Your due date is 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.
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 http://www.consumerfinance.gov/learnmore.
Fees
Platinum A+ No Rewards | Platinum A+ With Rewards | Platinum A with Rewards | Platinum with Rewards | Student with Rewards | |
Annual Fee | NONE | NONE | NONE | NONE | NONE |
Transaction & Penalty Fees
Platinum A+ No Rewards | Platinum A+ With Rewards | Platinum A with Rewards | Platinum with Rewards | Student with Rewards | |
Balance Transfer | NONE | NONE | NONE | NONE | NONE |
Cash Advance |
NONE | NONE | NONE | NONE | NONE |
Foreign Transaction | 1% of the converted transaction amount | 1% of the converted transaction amount | 1% of the converted transaction amount | 1% of the converted transaction amount | 1% of the converted transaction amount |
Late Payment | $25 | $25 | $25 | $25 | $25 |
Over-the-Credit Limit | NONE | NONE | NONE | NONE | NONE |
Returned Payment | $35 | $35 | $35 | $35 | $35 |
Other Fees | $15 application fee | $15 application fee | $15 application fee | $15 application fee | $15 application fee |
The tables on this page may not be accessible to all users. Please call us at 678.889.4328 or toll-free at 855.889.4328 should you require additional assistance.
1 APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new Visa Credit Card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Rates range from 6.9% to 14.9%. A $15 application fee is charged for processing. Subject to credit approval.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” The information about the cost of the card described above is accurate as of August 19, 2022. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement, call 678.889.4328 or 855.889.4328.