APPLICATION DISCLOSURES

Signature Visa with Cash Back, Signature Visa with Rewards,
Platinum Visa with Rewards, and Platinum Visa Cards

CARD

SIGNATURE CASH 
BACK VISA 

SIGNATURE VISA 
WITH REWARDS

PLATINUM VISA WITH 
REWARDS

PLATINUM VISA

Annual Percentage 
Rate (APR) for 
Purchases

INTEREST RATES AND INTEREST CHARGES

2.99% intro APR 
for 6 months from 
account opening.

2.99% intro APR 
for 6 months from 
account opening.

3.99% intro APR 
for 6 months from 
account opening.

3.99% intro APR 
for 6 months from 
account opening.

After that your APR
will be
10.00% − 
14.50%
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

After that your APR
will be
10.00% − 
14.50%
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

After that your APR
will be
9.00% − 
19.50%
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

After that your APR
will be
8.00% − 
18.50%
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

4.99% intro APR for 12 
months from account 
opening.

4.99% intro APR for 12 
months from account 
opening.

6.99% intro APR for 12 
months from account 
opening.

6.99% intro APR for 12 
months from account 
opening.

APR for Balance 
Transfers

APR for Cash 
Advances

After that your APR
will be 12.00% - 
16.50% depending on 
your creditworthiness. 
This APR will vary with 
the market based on 
the Prime Rate.

After that your APR
will be 12.00% - 
16.50% depending on 
your creditworthiness. 
This APR will vary with 
the market based on 
the Prime Rate.

After that your APR
will be 11.00% - 
21.50% depending on 
your creditworthiness. 
This APR will vary with 
the market based on 
the Prime Rate.

After that your APR
will be 10.00% - 
20.50% depending on 
your creditworthiness. 
This APR will vary with 
the market based on 
the Prime Rate.

12.00% - 16.50% 
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

12.00% - 16.50% 
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

11.00% - 21.50% 
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

10.00% - 20.50% 
depending on your 
creditworthiness. This 
APR will vary with the 
market based on the 
Prime Rate.

SEE NEXT PAGE for more important information about these accounts.

3.0% above current Interest Rate. This APR may be applied when:

•  Your minimum monthly payment is more than 60 days late

Penalty APR

•  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.

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.

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.

How to Avoid Paying 
Interest on 
Purchases

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

FEES

Annual Fee

None

None

None

None

Transaction Fees

•  Foreign 
Transaction Fee
Penalty Fees

Waived

Waived

Up to 1% of the US dollar amount of the foreign 
transaction.

• Late Payment

$25 for balances > $1,000; $20 for balances $100 - $1,000; $10 for balances < $100

• Returned Item

$25 

• Card Replacement

$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 September 1, 2021.