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Disclosure Information for Visa Platinum,
Visa Platinum Rewards, & Visa Signature

Interest Rates and
Interest Charges

Annual Percentage
Rate (APR) for
Purchases

Visa® Platinum

12.50% to
16.75%
This APR will vary
with the market
based on the Prime
Rate

Visa Platinum
Rewards

13.50% to
17.75%
This APR will vary
with the market
based on the Prime
Rate

Visa Signature

14.50% to
14.75%
This APR will vary
with the market
based on the Prime
Rate

APR for Balance
Transfers

12.50% to 16.75%  
This APR will vary
with the market
based on the Prime
Rate

13.50% to 17.75%  
This APR will vary
with the market
based on the Prime
Rate

14.50% to 14.75%  
This APR will vary
with the market
based on the Prime
Rate

APR for Cash
Advances

12.50% to 16.75%  
This APR will vary
with the market
based on the Prime
Rate

13.50% to 17.75%  
This APR will vary
with the market
based on the Prime
Rate

14.50% to 14.75%  
This APR will vary
with the market
based on the Prime
Rate

Penalty APR and
When it Applies

None

None

None

Paying Interest

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. We
will begin charging
interest on cash
advances and
balance transfers on
the transaction date.

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. We
will begin charging
interest on cash
advances and
balance transfers on
the transaction date.

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. We
will begin charging
interest on cash
advances and
balance transfers on
the transaction date.

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.

To learn more about
factors to consider
when applying for or
using a credit card,
visit the website of
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.

Annual Fee

N/A

N/A

$49 (waived the ﬁrst
year)

Fees

Transaction Fees

Cash Advance

2% of advance
amount

2% of advance
amount

2% of advance
amount

Foreign Transaction

Exchange Rate plus
1% of transaction

Exchange Rate plus
1% of transaction

Exchange Rate

Penalty Fees 
Late Payment

up to $29

up to $29

up to $29

How We Will Calculate Your Balance: We use a method called “average daily balance”
(including purchases, cash advances and balance transfers). See the Variable Rate Credit Card
Agreement and Truth in Lending Disclosure for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending
Disclosure. 

Your new credit card has a variable rate. Additional rate information is as follows:

Visa Platinum

1.04167% TO
1.39580%

Visa Platinum
Rewards

1.12500% TO
1.479167%

Visa Signature

1.20832% TO
1.22917%

MONTHLY PERIODIC
RATE FOR APR
SHOWN ABOVE FOR
PURCHASES, CASH
ADVANCES, AND
BALANCE TRANSFERS

MARGIN

8.00% TO 12.25%

9.00% TO 13.25%

10.00% TO 10.25%

The Annual Percentage rate and monthly periodic rate above is in eﬀect until the next
monthly change. Refer to your Variable Rate Credit card Agreement and Truth in Lending
Disclosure for more information regarding your variable rate.