VISA Platinum Credit Card Disclosure 

VISA Platinum – Rates & Fees 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases 

7.24 to 17.24% when you open your account, based on 
your creditworthiness. 

APR for Balance Transfers  

APR for Cash Advances 

After that, your APR will vary with the market based on the Prime 
Rate. 
7.24% to 17.24% when you open your account, based on your 
creditworthiness.   

After that, your APR will vary with the market based on the Prime 
Rate. 
7.24% to 17.24% when you open your account, based on your 
creditworthiness.   

After that, your APR will vary with the market based on the Prime 
Rate. 

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.   

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. 

Annual Fee 
Transaction Fees 

•  Cash Advance  

FEES 

None 

Either $5 or 2%  of advance amount, whichever is greater (does 
not apply to overdraft protection advances) 

•  Foreign Transaction  

1% of the US dollar amount of the foreign transaction (including 
purchases made in the US through a foreign merchant) 

Penalty Fees 

•  Late Payment 
•  Card Replacement 

$25 
$5 (If rush order, additional $25) 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”.   

The above terms are current as of 6/9/2021. 

V_Platinum 6.9.21