APPLICATION DISCLOSURES

Signature Visa with Cash Back Rewards, Signature Visa with Rewards,
Platinum Visa with Rewards, and Platinum Visa

CARD

SIGNATURE VISA WITH 
CASH BACK REWARDS

SIGNATURE VISA WITH 
REWARDS

PLATINUM VISA WITH 
REWARDS

PLATINUM VISA

Annual Percentage 
Rate (APR) for 
Purchases

INTEREST RATES AND INTEREST CHARGES

2.99% intro APR for 6 
months from account 
opening.

2.99% intro APR for 6 
months from account 
opening.

3.99% intro APR for 6 
months from account 
opening.

3.99% intro APR for 6 
months from account 
opening.

After that your APR
will be

After that your APR
will be

After that your APR
will be

After that your APR
will be

10.25% − 14.75% 10.25% − 14.75% 9.25% − 19.75% 8.25% − 18.75%

depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

4.99% intro APR for 12 
months from account 
opening.

4.99% intro APR for 12 
months from account 
opening.

6.99% intro APR for 12 
months from account 
opening.

6.99% intro APR for 12 
months from account 
opening.

APR for Balance 
Transfers

After that your APR
will be 

After that your APR
will be 

After that your APR
will be 

After that your APR
will be 

12.25% - 16.75%       
depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

12.25% - 16.75%       
depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

11.25% - 21.75%       
depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

10.25% - 20.75% 
depending on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate.

APR for Cash 
Advances

12.25% - 16.75% depending 
on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate.

12.25% - 16.75% depending 
on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate.

11.25% - 21.75% depending 
on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate.

10.25% - 20.75% depending 
on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate.

SEE NEXT PAGE for more important information about these accounts.

CARD

SIGNATURE VISA WITH 
CASH BACK REWARDS

SIGNATURE VISA WITH 
REWARDS

PLATINUM VISA WITH 
REWARDS

PLATINUM VISA

3.0% above current Interest Rate. This APR may be applied when:

(cid:149)  Your minimum monthly payment is more than 60 days late

Penalty APR

(cid:149)  You are in default of any other terms of the Agreement

How long will the penalty APR apply? If your APR is increased for any of these reasons, the Penalty APR will apply 
until you make six consecutive minimum payments when due.

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.

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.

How to Avoid Paying 
Interest on 
Purchases

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

FEES

Annual Fee

None

None

None

None

Transaction Fees

(cid:149)  Foreign 
Transaction Fee
Penalty Fees

Waived

Waived

Up to 1% of the US dollar amount of the foreign 
transaction.

(cid:149) Late Payment

$25 for balances > $1,000; $20 for balances $100 - $1,000; $10 for balances < $100

(cid:149) Returned Item

$25 

(cid:149) Card Replacement

$5 

How We Will Calculate Your Balance: We use a method called (cid:147)average daily balance(cid:148) (including new purchases).

We reserve the right to amend the OnPoint Credit Card Agreement as permitted by law. The above rates and fees are current as of May 4, 2022.