Credit Score
Penalty APR 
How to Avoid Paying Interest on 
Purchases
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Annual Fee
Penalty Fees
Credit Score
Penalty APR 
How to Avoid Paying Interest on 
Purchases
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Annual Fee
Penalty Fees
Additional Information
Margins for APR's:
Platinum Rewards Visa Card - 4.74%, 7.24%, 7.74%, 8.74%, 10.24%, and 12.24% respectively.
Classic and Secured Visa Cards - 6.74%, 9.24%, 9.74%, 10.74%, 12.24%, and 14.24% respectively.17.49%
We reserve the right to amend the Visa Credit Card Agreement as permitted by law.  The above rates and fees are current as of 04/01/2020Foreign Transaction Up to  2% of the US dollar amount of the foreign transaction
Foreign Transaction Up to  2% of the US dollar amount of the foreign transactionAnnual Percentage Rates 
(APRs) for Balance Transfers9.99% 12.49% 12.99% 13.99% 15.49%When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*Late Payment
12.49% 17.49%None
$20
15.49%Annual Percentage Rates 
(APRs) for Balance Transfers7.99% 10.49% 10.99% 11.99%
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 purchase balance that you 
pay by the due date each month.When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*
When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*7.99% 10.49%
Annual Percentage Rates 
(APRs) for Cash Advances9.99%9.99% 12.49% 13.99%Annual Percentage Rates 
(APRs) for Cash Advances
Cash AdvanceFEES10.99%
None
None
15.49%
Variable Rate Information:* The index used to determine the U.S. Prime Rate is published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September, 
and December of each calendar year. If the third (3rd) Tuesday is a holiday, we will use the Prime Rate published the next day. If more than one Prime Rate is published we may choose the 
highest rate. If The Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper 
of general circulation, or we may substitute a similar reference at our sole discretion. We may change the above rates, fees, and other cost information at any time in accordance with 
applicable law, along with the applicable Credit Account Agreement and Disclosure, that will be sent to you.Late PaymentFEES
Transaction Fees 
$20
How We Will Calculate Your Balance:   We use a method called "average daily balance" (including new purchases). See your account agreement for more details.None Cash AdvanceNone609 to 560 739 to 700 740 +
When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*
15.49%11.99% 7.99%
11.99% 13.49% 15.49%
13.49%
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.When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*
13.99%559 or below
659 to 610 609 to 560 559 or belowHow We Will Calculate Your Balance:   We use a method called "average daily balance" (including new purchases). See your account agreement for more details.Transaction Fees 659 to 610
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 purchase balance that you 
pay by the due date each month.739 to 700 699 to 660Classic & Secured Visa Card
12.99%
NoneCredit Card Rate Sheet
& Initial Disclosure 04/01/2020
Platinum Rewards Visa Card
12.99%740 +699 to 660
15.49% 13.49% 10.49% 10.99%
17.49%INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rates 
(APRs) for PurchasesINTEREST RATES AND INTEREST CHARGES
Annual Percentage Rates 
(APRs) for Purchases
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.