Visa® Indie Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.80%    

APR for Balance Transfers 

4.99% promotional APR for the life of the balance on transfers 
made prior to July 31, 2017. After that, your APR for new balance 
transfers will be 14.80%.

APR for Cash Advances 

14.80% 

Penalty APR and 
When it Applies 

None 

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. 

Minimum Interest Charge  None 

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

Penalty Fees 

None 

None

 Late Payment

Up to $27.00

 Over-the-Credit Limit

None 

 Returned Payment

Up to $27.00

APR: Annual Percentage Rate
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Loss of Promotional APR: We may end your balance transfer promotional APR and apply the regular APR if your account 
becomes more than 62 days past due, is revoked, included in bankruptcy, or becomes in default, the APR will return to the 
regular rate and monthly periodic rate.

Rev 2/2017