Interest Rates & Interest Charges  
 Platinum  Platinum with 
ScoreCard* * New 
Beginnings  New 
Beginnings w ith 
ScoreCard* * 
Annual Percentage 
Rates (APR)*  
for PURCHASES  
 
 9.9%  to 
19.9% , 
When you open 
your credit card, 
based on your 
creditworthiness.  10.9%  to 
19.9%, 
When you open 
your credit card, 
based on your 
creditworthiness.  16.9%  to 
19.9%  
When you open 
your credit card, 
based on your 
creditworthiness.  17.9%  to 
19.9%  
When you open 
your credit card, 
based on your 
creditworthiness.  
APR * for BALANCE 
TRANSF ERS 
 9.9%  to 
19.9%  10.9%  to 
19.9%  16.9%  to 
19.9%  17.9%  to 
19.9%  
APR * for CASH 
ADVANCES  
 9.9%  to 
19.9%  10.9%  to 
19.9%  16.9%  to 
19.9%  17.9%  to 
19.9%  
Penalty APR and 
When it Applies   
None  
How to Avoid Paying 
Interest on Purchases  Your due date is at least 25 days 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.  We will begin charging interest on cash advances and balance 
transfers on the transaction date.  
Minimu m Finance 
Charge   
None  
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 webs ite of the CFPB  at http://www.consumerfinance.gov/learnmore/  
Fees  
Platinum  New Beginnings  
Annual Fee  None  $25.00  
Transaction Fees   
      Balance Transfer  None  None  
     Cash Advance  None  None  
 Foreign Transaction  Up to 1% of each transaction in 
U.S. Dollars  Up to 1% of each transaction in U.S. Dollars  
Penalty Fees   
      Late Payment  Up to $25.00  Up to  $25.00  
     Over -the-Credit Limit  None  None  
 Returned Payment  Up to $25.00  Up to  $25.00  
How We Calculate Your Balance: We use a method called �Average Daily Balance including New Purchases�  
 
Other Fees: Statement  Copy = $2.00 per statement; Photocopy = $5.00; Card Replacement = $5 .00 
 
*APR = Annual percentage rate.  Rates quoted are based on credit history.  To determine your rate, please contact Team One.  Other rates and terms 
may be available.  Rates and terms are subject to change.  See Team One For complete details.  All rights reserved.   
 
**Scorecard Bonus Points are earned for every dollar spent when using your Team One Visa Card.  These points can be accumulate d and redeemed 
for great gifts, travel rewards , hotel discounts and much more!  For a free ScoreCard Rewards catalog, please visit scorecardrewards.com  
 VISA SUMMARY OF TERMS