APPLICATION DISCLOSURES 
Signature Visa with Rewards, Platinum Visa with Rewards, and Platinum Visa Cards 

CARD 

SIGNATURE VISA WITH 
REWARDS 

PLATINUM VISA WITH 
REWARDS 

PLATINUM VISA 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR 

0.9% intro APR for 6 
months from account opening. 
After that your APR will be 
7.9% - 12.9% 
depending on your credit 
worthiness.  This APR will vary 
with the market based on the 
Prime Rate. 
0.9% intro APR for 6 months 
from account opening. 

3.99% intro APR for 6 
months from account opening. 
After that your APR will be 
6.9% - 16.9% 
depending on your credit 
worthiness.  This APR will vary 
with the market based on the 
Prime Rate. 
6.99% intro APR for 12 months 
from account opening. 

3.99% intro APR for 6 
months from account opening. 
After that your APR will be 
5.9% - 15.9%  
depending on your credit 
worthiness.  This APR will vary 
with the market based on the 
Prime Rate. 
6.99% intro APR for 12 months 
from account opening. 

After that your APR will be 8.9% 
- 18.9%  depending on your 
credit worthiness.  This APR will 
vary with the market based on 
the Prime Rate. 
8.9% - 18.9% depending on 
your credit worthiness.  This 
APR will vary with the market 
based on the Prime Rate. 

After that your APR will be 
9.9% - 14.9% depending on 
your credit worthiness.  This 
APR will vary with the market 
based on the Prime Rate. 
9.9% - 14.9% depending on 
your credit worthiness.  This 
APR will vary with the market 
based on the Prime Rate. 
3.0% above current Interest Rate.  This APR may be applied when: 
•  Your minimum monthly payment is more than 60 days late 
•  You have more than one late payment in 12 months 
•  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. 

After that your APR will be 7.9% 
- 17.9%  depending on your 
credit worthiness.  This APR will 
vary with the market based on 
the Prime Rate. 
7.9% - 17.9% depending on your 
credit worthiness.  This APR will 
vary with the market based on 
the Prime Rate. 

How to Avoid Paying 
Interest on Purchases 

Your due date is approximately 25 days after the close of each billing cycle.  We will not charge any 
interest on the portion of the purchases balance that you pay by the due date of each month. 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Annual Fee 

Transaction Fees 
•  Foreign 

Transaction Fee 

Penalty Fees 
•  Late Payment  
•  Returned Check  
•  Card Replacement  

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. 

$50 at the beginning of each 
year the Account is open 
(except the first year).  This fee 
will be added to your account 
during the billing cycle in which 
the anniversary of the date 
your account was opened 
occurs. 
Waived 

FEES 
None 

None 

Up to 1% of the US dollar amount of the foreign transaction. 

$25 for balances > $1,000; $20 for balances $100 - $1,000; $10 for balances < $100 
$25 
$5 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (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 July 1, 2014.