Important Terms and Conditions
Visa® Credit Cards

Effective 
December 2015

VISA PLATINUM REWARDS

VISA PLATINUM

Interest Rates and Interest Charges

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it 
Applies

Minimum Interest Charge

How to Avoid Paying Interest 
on Purchases

Credit Card Tips from the 
Consumer Financial
 Protection Bureau

10.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.

10.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.

10.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.
None

None

Your due date is at least 25 days after the close 
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.

Annual Percentage Rate
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it 
Applies

Minimum Interest Charge

How to Avoid Paying Interest 
on Purchases

Credit Card Tips from the 
Consumer Financial
 Protection Bureau

9.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.

9.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.

9.15% to18.00%*

When you open your account, based on your 
credit worthiness. After that, your 
APR will vary with the market based on the 
Prime Rate.
None

None

Your due date is at least 25 days after the close 
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.

Fees

Set-up and Maintenance Fees
• 

Annual Fee

None

Fees

Set-up and Maintenance Fees
• 

Annual Fee

None

Transaction Fees
• 

Balance Transfer

• 

Cash Advance

Foreign Transaction

• 
Penalty Fees
• 
• 
• 

Late Payment
Over-the-Credit Limit
Returned Payment

2% of the amount of each transfer, $50 
Maximum
2% of the amount of each cash advance, $50 
Maximum
1% of each transaction in U.S. dollars

Up To $25
None
Up To $25

Transaction Fees
• 

Balance Transfer

• 

Cash Advance

Foreign Transaction

• 
Penalty Fees
• 
• 
• 

Late Payment
Over-the-Credit Limit
Returned Payment

2% of the amount of each transfer, $50 
Maximum
2% of the amount of each cash advance, $50 
Maximum
1% of each transaction in U.S. dollars

Up To $25
None
Up To $25

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases).” (See cardholder 
agreement for complete details.)

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

* Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The 
Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and 
October) and changes are effective as the first day of your next billing cycle. Current rate as of December 2015. (See cardholder 
agreement for complete details.)

TruStone Financial.org  |  (763) 544-1517  |  (800) 862-1998