VISA SUMMARY OF TERMS 

Interest Rates & Interest Charges 
New 
Beginnings 

Platinum with 
ScoreCard** 

Platinum 

9.9% to 
19.9%, 
When you open 
your credit card, 
based on your 
creditworthiness. 
9.9% to 
19.9% 
9.9% to 
19.9% 

10.9% to 
19.9%, 
When you open 
your credit card, 
based on your 
creditworthiness. 
10.9% to 
19.9% 
10.9% to 
19.9% 

16.9% to 
19.9% 
When you open 
your credit card, 
based on your 
creditworthiness. 
16.9% to 
19.9% 
16.9% to 
19.9% 

New 
Beginnings with 
ScoreCard** 
17.9% to 
19.9% 
When you open 
your credit card, 
based on your 
creditworthiness. 
17.9% to 
19.9% 
17.9% to 
19.9% 

None 

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. 

None 

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the CFPB at http://www.consumerfinance.gov/learnmore/ 

Annual Percentage 
Rates (APR)* 
for PURCHASES 

APR* for BALANCE 
TRANSFERS 

APR* for CASH 
ADVANCES 

Penalty APR and 
When it Applies 
How to Avoid Paying 
Interest on Purchases 

Minimum Finance 
Charge 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Platinum 
None 

Fees 

New Beginnings 

$25.00 

Annual Fee 
Transaction Fees 
      Balance Transfer 
     Cash Advance 
  Foreign Transaction 

None 
None 
Up to 1% of each transaction in 
U.S. Dollars 

None 
None 
Up to 1% of each transaction in U.S. Dollars 

Penalty Fees 
      Late Payment 
     Over-the-Credit Limit 
  Returned Payment 

Up to $25.00 
Up to $25.00 
None 
None 
Up to $25.00 
Up to $25.00 
How We Calculate Your Balance: We use a method called “Average Daily Balance including New Purchases” 

Other Fees: Statement Copy = $2.00 per statement; Photocopy = $5.00; Card Replacement = $5.00 

*APR = Annual percentage rate.  Rates quoted are based on credit history.  To determine your rate, please contact Team One.  Other rates and terms 
may be available.  Rates and terms are subject to change.  See Team One For complete details.  All rights reserved.   

**Scorecard Bonus Points are earned for every dollar spent when using your Team One Visa Card.  These points can be accumulated and redeemed 
for great gifts, travel rewards, hotel discounts and much more!  For a free ScoreCard Rewards catalog, please visit scorecardrewards.com