Annual Percentage Rate (APR) for Purchases for Visa Platinum, Platinum Rewards, and Platinum Cash Rewards Cards

For a Platinum Card or Platinum Rewards Card, your APR will be 14.25%, 16.25%, or 18.00%, based on your creditworthiness. This APR will vary with the market-based Prime Rate.

For 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 Cash Advances and Balance Transfers for Visa Platinum, Platinum Rewards, and Platinum Cash Rewards

The APR on your Platinum Card or Platinum Rewards Card will be 14.25%, 16.25%, or 18.00%, depending on your credit history. For your Platinum Cash Rewards Card, the APR will be 16.25% or 18.00%, depending on your credit history. This APR will vary with the market-based Prime Rate.

Penalty APR and When it Applies

18.00%; 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 APR due to late payment, we may keep it 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 Interest

Your 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 Charge

If you are charged interest, the charge will be no less than $1.00.

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 at consumerfinance.gov/learnmore.

Annual Fee:

None

Application Fee:

None

Balance Transfer:

None

Cash Advance:

1% of the amount of each cash advance (minimum: $2.00; maximum: $20.00)

Foreign Transaction:

1% of each transaction in U.S. dollars if the transaction involves a currency conversion. 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.

Late Payment:

$27.00 for the first offense; 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.