Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 14.74% to 21% based on creditworthiness. This APR will vary with the market based on the Prime Rate plus a margin. |
| APR for Balance Transfers | Balance Transfers are not available. |
| APR for Cash Advances | 21% This APR will vary with the market based on the Prime Rate. |
| Penalty APR | 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 or balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| 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 |
|
| Balance Transfer | Balance Transfers are not available. |
| Cash Advance | Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee: $75) |
| Foreign Transaction | Up to 1% of each transaction in U.S. dollars. |
Penalty Fees |
|
| Late Payment | The lesser of minimum payment due or $25 |
| Returned Payment | $10 |
| Over the Limit Fee | None |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.
Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late payment.
Variable Rate Information: Your variable rate will be calculated each billing cycle by adding a Margin to the Prime Rate published in the Money Rates table of the Wall Street Journal on the last business day of the previous billing cycle. If the Prime Rate is not published on that day, we will use the prior publication day. The daily rate is the APR times 1/365. If the Prime Rate increases, you will pay a higher finance charge and may have a higher minimum payment.
Effective Date: This disclosure is effective as of November 1, 2024 and is subject to change after date listed. To find out what may have changed, or if you have any questions, call toll-free in the U.S. at 1-800-235-5261.
Visa Signature and Visa Platinum are registered trademarks of Visa Inc.
