Visa® Card Rates and Fees

Please review the information below that is specific to the Credit Card you are applying for and then click ‘Apply Now’ if you agree to the terms disclosed.

Cash Back Rewards
Interest Rates and Interest Charges
Credit Score	740+	739-700	699-660	659-610	609-560	559 or below
Annual Percentage Rates (APRs) for Purchases	15.49%	18.49%	20.99%	22.49%	22.99%	24.99%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Cash Advances	17.49%	20.49%	22.99%	24.49%	24.99%	26.99%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Balance Transfers	15.49%	18.49%	20.99%	22.49%	22.99%	24.99%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Penalty APR	None
How to Avoid Paying Interest on Purchases	Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month.
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: http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Transaction Fees: Foreign Transaction	None
Transaction Fees: Cash Advance	None
Penalty Fees: Late Payment	$20

Platinum Rewards
Interest Rates and Interest Charges
Credit Score	740+	739-700	699-660	659-610	609-560	559 or below
Annual Percentage Rates (APRs) for Purchases	13.24%	15.74%	16.24%	17.24%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Cash Advances	13.24%	15.74%	16.24%	17.24%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Balance Transfers	13.24%	15.74%	16.24%	17.24%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Penalty APR	None
How to Avoid Paying Interest on Purchases	Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month.
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: http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Transaction Fees: Foreign Transaction	Up to 2% of the US dollar amount of the foreign transaction
Transaction Fees: Cash Advance	None
Penalty Fees: Late Payment	$20

Classic & Secured
Interest Rates and Interest Charges
Credit Score	740+	739-700	699-660	659-610	609-560	559 or below
Annual Percentage Rates (APRs) for Purchases	15.24%	17.74%	18.00%	18.00%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Cash Advances	15.24%	17.74%	18.00%	18.00%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Annual Percentage Rates (APRs) for Balance Transfers	15.24%	17.74%	18.00%	18.00%	18.00%	18.00%
	When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.^*
Penalty APR	None
How to Avoid Paying Interest on Purchases	Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month.
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: http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Transaction Fees: Foreign Transaction	Up to 2% of the US dollar amount of the foreign transaction
Transaction Fees: Cash Advance	None
Penalty Fees: Late Payment	$20

Disclosures

^* READ FULL DISCLOSURES BELOW

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Variable Rate Information – Classic, Secured, and Platinum Rewards Visa Cards: The index used to determine the U.S. Prime rate is published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. If the third (3rd) Tuesday is a holiday, we will use the Prime Rate published the next day. If more than one Prime Rate is published we may choose the highest rate. If the Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper of general circulation, or we may substitute a similar reference at our sole discretion. We may change the above rates, fees, and other cost information at any time in accordance with applicable law, along with the applicable Credit Account Agreement and Disclosure, that will be sent to you.

Variable Rate Information – Cash Back Rewards Visa Card: The index used to determine the U.S. Prime rate is published in The Wall Street Journal (Western Edition) on the last day of the month. If the last day of the month is a holiday or a day that The Wall Street Journal (Western Edition) is not published, we will use the Prime Rate published as of the last day of the month it was published. If more than one Prime Rate is published we may choose the highest rate. If the Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper of general circulation, or we may substitute a similar reference at our sole discretion. We may change the above rates, fees, and other cost information at any time in accordance with applicable law, along with the applicable Credit Account Agreement and Disclosure, that will be sent to you.

Margins for APRs:

Platinum Rewards – 4.74%, 7.24%, 7.74%, 8.74%, 10.24% and 12.24% respectively.

Cash Back Rewards – Purchases & Balance Transfers: 6.99%, 9.99%, 12.49%, 13.99%, 14.49% and 16.49% respectively. Cash Advances: 8.99%, 11.99%, 14.49%, 15.99%, 16.49% and 18.49% respectively.

Classic and Secured – 6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% respectively.

We reserve the right to amend the Visa Credit Card Agreement as permitted by law.

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