Visa® Platinum Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

7.80% 
When you open your account, based on your creditworthiness.

9.80%    11.80%  

APR for Balance Transfers 

0.20% promotional APR for first 12 billing cycles from date of 
balance transfer made prior to June 19, 2020. After that, 
your APR will be  7.80% 9.80%  11.80%  depending on your 
creditworthiness. 

APR for Cash Advances 

7.80%    9.80%  
When you open your account, based on your creditworthiness.

 11.80%  

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 any interest on purchases if you pay your 
entire balance by the due date each month. 

Minimum Interest 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 website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

None 

Penalty Fees 

 Late Payment

Up to $27.00

 Over-the-Credit Limit

None 

 Returned Payment

Up to $27.00

How We Will Calculate Your Balance:  We use a method called “average daily balance 
(including new purchases).” 

Loss of Promotional APR: We may end your balance transfer promotional APR and apply the 
regular APR if your account becomes more than 62 days past due, is revoked, included in 
bankruptcy, or becomes in default, the APR will return to the regular rate and monthly periodic rate.

Rev 01/2020

 
 
 
 
Visa® Platinum Plus Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

10.80%        12.30%     14.80%   18.00%
When you open your account, based on your creditworthiness. 

APR for Balance Transfers 

0.20% promotional APR for first 12 billing cycles from date of 
balance transfer made prior to June 19, 2020. After that, your 
APR will be 10.80%  12.30%  14.80%  18.00%  depending on 
your creditworthiness. 

APR for Cash Advances 

10.80%     12.30%     14.80%     18.00% 
When you open your account, based on your creditworthiness. 

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 any interest on purchases if you pay your 
entire balance by the due date each month. 

Minimum Interest 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 website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

None 

Penalty Fees 

• Late Payment

Up to $27.00 

• Over-the-Credit Limit

None 

• Returned Payment

Up to $27.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance 
(including new purchases).” 

Loss of Promotional APR: We may end your balance transfer promotional APR and apply the 
regular APR if your account becomes more than 62 days past due, is revoked, included in 
bankruptcy, or becomes in default, the APR will return to the regular rate and monthly periodic rate.

Rev 01/2020 

Visa® Platinum-Pro Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

8.80% 
When you open your account, based on your creditworthiness.

APR for Balance Transfers 

0.20% promotional APR for first 12 billing cycles from date of 
balance  transfer  made  prior  to  June  19,  2020.  After  that, 
your APR will be 8.80% depending on your creditworthiness. 

APR for Cash Advances 

8.80%
When you open your account, based on your creditworthiness. 

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 any interest on purchases if you pay your 
entire balance by the due date each month. 

Minimum Interest 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 website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Penalty Fees 

$25.00 

• Late Payment

Up to $27.00 

• Over-the-Credit Limit

None 

• Returned Payment

Up to $27.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance 
(including new purchases).” 

Loss of Promotional APR: We may end your balance transfer promotional APR and apply the 
regular APR if your account becomes more than 62 days past due, is revoked, included in 
bankruptcy, or becomes in default, the APR will return to the regular rate and monthly periodic rate.

Rev 01/2020 

Visa® Indie Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.80%  
When you open your account, based on your creditworthiness

.

APR for Balance Transfers 

0.20%  promotional  APR  for  first  12  billing  cycles  from  date  of 
balance transfer made prior to June 19, 2020. After that, your APR 
will be 14.80% depending on your creditworthiness. 

APR for Cash Advances 

14.80%
When you open your account, based on your creditworthiness.

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 any interest on purchases if you pay 
your entire balance by the due date each month.

Minimum Interest 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 website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore

Fees 

Annual Fee 

None 

Penalty Fees 

 Late Payment

Up to $27.00

 Over-the-Credit Limit

None 

 Returned Payment

Up to $27.00

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases).” 

Loss of Promotional APR: We may end your balance transfer promotional APR and apply the 
regular APR if your account becomes more than 62 days past due, is revoked, included in 
bankruptcy, or becomes in default, the APR will return to the regular rate and monthly periodic rate.

Rev 01/2020 

Visa® Secured Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.80%    

APR for Balance Transfers  14.80% 

APR for Cash Advances 

14.80% 

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 any interest on purchases if you pay your 
entire balance by the due date each month. 

Minimum Interest 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 website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

None 

Penalty Fees 

 Late Payment

Up to $27.00

 Over-the-Credit Limit

None 

 Returned Payment

Up to $27.00

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases).” 

Rev 9/2016