Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Cash Advances and Purchases for Visa Platinum Cash Rewards CardFor Platinum Cash Rewards Card, your APR will be 16.25% or 18.00%, based on your creditworthiness. This APR will vary with the market based Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers for Visa Platinum Cash Rewards Card5% Promotional APR on all balance transfers (for the first 6 cycles after card opening). Once the 5% APR Intro Rate expires, your APR will return to your normal variable rate of 16.25% or 18.00% APR.

APR on Platinum Cash Rewards Card will be 16.25% or 18.00%, depending on your credit history.

This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies18.00% this APR may be applied to your account if you make a payment that is late 60 days or more.

How Long Will the Penalty APR Apply? If we increase your APRs due to late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments starting with the first payment after the date on which it is imposed. If the six consecutive on time minimum payments are not made, we have the option of keeping the Penalty APR on your account indefinitely.
Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances, balance transfers and credit card checks on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Fees

Fees to Open or Maintain your Account
Annual Fee:None
Application Fee:None

Transaction Fees
Balance Transfer:None
Cash Advance:1% of the amount of each cash advance (minimum: $2.00; maximum: $20.00)
Foreign Transaction:Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Penalty Fees
Late Payment:If your payment is late, up to $27.00 for the first offense and up to $35.00 each if 2 or more offenses occur within 6 months.
Over-the-Credit Limit:None. We do not allow transactions that will exceed your credit limit.
Returned Payment:Up to $26.00 if your payment is returned for any reason.