Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Visa Platinum with No Rewards Benefits: 10.75% to 17.90%, based on your credit 
worthiness; the APR will vary with the market based on the Prime Rate. 

Visa Rewards Benefits: 14.25% to 17.90%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate. 

Visa Secured Benefits: 14.25% to 17.90%. 

Annual Percentage Rate 
(APR) for Balance Transfers 

Visa Platinum with No Rewards Benefits: 10.75% to 17.90%, based on your credit 
worthiness; the APR will vary with the market based on the Prime Rate. 

Visa Rewards Benefits: 14.525% to 17.90%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate. 

Visa Secured Benefits: 14.525% to 17.90%. 

Annual Percentage Rate 
(APR) for Cash Advances 

Visa Platinum with No Rewards Benefits: 12.00% to 17.90%, based on your credit 
worthiness; the APR will vary with the market based on the Prime Rate. 

Penalty Pricing and 
When it Applies 

Paying Interest 

Visa Rewards Benefits:  16.25% to 17.90%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate. 
Visa Secured Benefits: 16.25% to 17.90%. 

None 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases and balance transfers if you pay your entire balance by the 
due  date  each  month.  We  will  begin  charging  interest  on  cash  advances  on  the 
transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.00 

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 
https://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

• Balance Transfer 
• Cash Advance 
• Foreign Transaction 

Penalty Fees 

None 

None 
$10.00 or 2.00% of the amount of each cash advance, whichever is greater. 
1.00% of each foreign transaction in U.S. dollars. 

• Over-the-Credit Limit 
• Late Payment 
• Returned Payment 

None 
$10.00 
$15.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)” 

The  information  about  the  costs  of  the  cards  described  above  are  current  as  of 
.  This  information  may  have  changed 
since that  time.  For  the  most  current  information,  please  visit  valleystrong.com,  call  us  at  (661)  833-7900  /  (800)  221-3311,  stop  by 
any  of  our  convenient branch locations, or write to us at Valley Strong Credit Union, Attn: Visa Department, P.O. Box 9506, Bakersfield, CA 
93389-9506.