Visa® Benefits

With card options to fit your individual 
needs, True Sky Credit Union’s Visa® Credit 
Cards are sure to be a perfect fit.

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Secured

Platinum

Gold

Classic

Cash Back

Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for
Purchases

5.99% 7.99% 11.99% 13.90% 16.99%

APR for Balance Trans-
fers and Cash Advances

How to Avoid Paying
Interest on Purchases

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees
Annual Fee

Transaction Fees

5.99% 7.99% 11.99% 13.90% 16.99%

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.

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.

None

Balance Transfer

3% of the amount of each balance transfer. No grace period. 

Cash Advance

No cash advance fee. No grace period on cash advances.

Foreign Transaction

1.00% of each transaction in U.S. Dollars

Penalty Fees

Late Payment

 up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance”. (including new pur-
chases)

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is 
provided in your account Agreement.
This information is accurate as of July 2019 and is subject to change. You should contact us for any changes to this 
information at (800) 448-1990, or write to us at P.O. Box 26406, Oklahoma City, OK 73126. You have no grace period in 
which to repay your balance for cash advances before a finance charge will be imposed.

To report a lost or stolen card, call 800.453.4270.

Cash Back Card:
Cash back on every purchase
No annual fee
Zero liability on purchases 
Online payments and balances
Up to $250,000 in travel accident insurance 
Auto rental insurance

(PIN based tr
do not apply)

ansactions

Platinum and Gold Cards:
ScoreCard Rewards
Zero liability on purchases (PIN based transactions

do not apply)

Online payments and balances 
Up to $500,000 in travel accident insurance 
Auto rental insurance
Warranty manager
Emergency/travel assistance services 
Emergency card/cash disbursement 
Cardholder inquiry service (800) VISA-911

Classic Card:
Zero liability on purchases 
Online payments and balances
Up to $250,000 in travel accident insurance 
Auto rental insurance

(PIN based tr
do not apply)

ansactions

Apply online at
TrueSkyCU.org.