VISA Signature Credit Card Disclosure 

VISA Signature – Rates & Fees 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases 

2.99% on transactions done in the first six months after 
account was opened. 

After that, your APR will be: 
10.24% to 16.24%, based on your creditworthiness.   
The APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  

10.24% to 16.24% when you open your account, based on your 
creditworthiness.   

APR for Cash Advances 

After that, your APR will vary with the market based on the Prime 
Rate. 
10.24% to 16.24% 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. 

FEES 

Annual Fee 

Transaction Fees 

•  Cash Advance  
•  Balance Transfer 
•  Foreign Transaction  

Penalty Fees 

•  Late Payment 
•  Card Replacement 

$49 

None 
None 
None 

$25 
$5 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”.   

The above terms are current as of 5/25/2020. 

V_Consumer 5.25.20