Platinum Rewards Visa Terms and Conditions

Interest Rates and Interest
Charges

Variable Annual Percentage
Rate (APR) for Purchases,
Balance Transfers and Cash
Advances

Non-Variable Annual
Percentage Rate (APR) for
Purchases, Balance
Transfers and Cash
Advances

Variable Rate Information



  E៌ective 06-12-2017

Alert Me

11.25% to18.00%

when you open your account.

11.99% to18.00%

when you open your account.

Your annual percentage rate (APR) may vary monthly. Your
rate will be based on the U.S. (Fed) Prime Rate as of the last
day of the preceding month. Rates will be determined on
the 5th of each month.

Minimum Monthly Payment 2% of the outstanding balance or $40, whichever is greater.

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.

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.

Fees

Annual Fee

$0

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Transaction Fees

• Balance Transfer: $0 
• Cash Advance: $0 
• Foreign Transaction: Visa International Service
Assessment Fee 
          • Single Currency Transaction: 0.8% of transaction 
          • Multiple Currency Transaction: 1.0% of transaction

Penalty Fees

•   Late Payment: $25 for the ២rst violation, $30 for the
next violation(s) during the next 6 billing cycles 

next violation(s) during the next 6 billing cycles 
•   Overlimit: $0 
•   Return Payment: $0

Balance Computation
Method

Average daily balance including new purchases.

Finance Charge

Calculated using monthly periodic data.

Advertised rates include a 0.25% discount for automatic payments. Without Autopay, your APR will be 0.25% higher.