Personal Credit Cards Features   Annual Fee None None None Balance Transfer Fee None None None Cash Advance Fee None None None Foreign Transaction Fee None None None APR for first 6 months 0% 0% 0% on purchases & balance transfers made in the first 90 days $100 account credit after 10,000 bonus reward points 16,000 bonus reward Intro Reward Offer $1,500 in purchases in first. after $2,000 in purchases in points after $3,000 in 90 days first 90 days purchases in first 90 days Rate of Rewards N/A 1% 1.25% Type of Rewards N/A Travel, merchandise or | Cash back credited cash back credited to to account account Minimum Credit Line $1,000 $2,500 $5,000 Interest Rate Variable Variable Variable 24/7 Support Included Included Included Roadside Dispatch N/A Call center Call center Emergency Cash N/A Yes Yes Disbursement Emergency Card N/A Yes Yes Replacement Travel Emergency N/A N/A Yes Assistance Merchant Offers N/A Visa merchant offer Visa Signature offers program and merchant offer program Hotel Privileges N/A N/A Visa luxury hotel collection Car Privileges N/A N/A Auto rental discount Golf Benefit N/A N/A Troon golf discount Chauffeured Black N/A N/A Visa Signature Car Service GroundLink Benefit Personal Concierge N/A N/A Visa Signature concierge Food and Wine N/A N/A Sonoma County Program vintners benefit Norton LifeLock ID Navigator ID Navigator ID Navigator Protection Protection Protection See Visa Credit Card Agreement and Truth-In-Lending Disclosure Statement for full details.