Interest Rates and Interest
Charges

Annual Percentage Rate
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Visa® Platinum Prime Plus

Visa® Platinum Rewards

1.99% introductory APR for 6
months from the date the account is
opened. After that your APR will be
7.25% to 14.95% based on
your creditworthiness
This APR will vary with the market based on the Prime Rate*

1.99% introductory APR for 6
months from the date the account is
opened. After that your APR will be
9.25% to 16.95% based on
your creditworthiness

0.00% introductory APR for 6 months
from the date the account is opened.
After that your APR will be 7.25% to
14.95% based on your creditworthiness

0.00% introductory APR for 6 months
from the date the account is opened.
After that your APR will be 9.25% to
16.95% based on your creditworthiness

This APR will vary with the market based on the Prime Rate*

7.25% to 14.95% based on
creditworthiness

9.25% to 16.95% based on
creditworthiness

This APR will vary with the market based on the Prime Rate*

Penalty APR and When It Applies

18.00%

How Long Will the Penalty APR
Apply?

This APR may be applied to your account if your account is past due sixty (60)
days. If your APRs are increased, the Penalty APR will apply until you make
six (6) consecutive minimum payments when due.

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. We will begin charging interest on cash advances and balance
transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.

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

•       Balance Transfer
•       Cash Advance
•       Foreign Transaction

Penalty Fees

•       Late Payment
•       Over-the-Credit Limit
•       Returned Payment

Other Fees

None

No balance transfer fee.
3.0% of the amount advanced or $5 whichever is greater; $20 maximum.
Up to 1.0% in US dollars

Up to $25
Up to $25-This fee is applied when a balance is 10% or more
overlimit
Up to $25
None

*The prime rate used to determine your APR is the rate published in the Wall Street Journal.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). An
explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account
agreement.

All contents are accurate as of April 6, 2017. For changes that may have occurred after that date, please call 1-800-800-9271.