Credit Card Rates Disclosure
The information about costs and the Annual Percentage Rate (APR) of the cards described in this disclosure is accurate as of August 1, 2023 . To find out what may have changed since this date, please call 800.225.3967.
Credit Cards · Interest Rates
Visa Honor Purchase and Balance Transfers · 13.49% to 18% APR*
Visa Value Purchase and Balance Transfers · 13.49% to 18% APR*
Visa Platinum Rewards Purchase and Balance Transfers · 14.49% to 18% APR*
Visa Cash Back Purchase and Balance Transfers · 14.49% to 18% APR*
Visa Signature Purchase and Balance Transfers · 17.49% to 18% APR*
Visa Credit Builder Secured Purchase and Balance Transfers · 18.00% APR*
Cash Advances · 2% above existing APR
*Rates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards. This APR will vary with the market based on U.S. Prime Rate. Rates capped at 18%. After a change to the Prime Rate, the new rate will be applied at the start of your next monthly billing cycle.
Penalty APR and When It Applies · 18.00% may be applied to your account if you: (1) Make a late payment (2) Go over your credit limit (3) Make a payment that is returned; or (4) Do any of the above on another account you have with us How long will the Penalty APR apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. If you receive a penalty rate, you will no longer be eligible for rewards benefits.
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 and balance transfers on the transaction date.
Minimum Payment · The minimum payment is the greater of 2% of the total new balance, or $35, or the total new balance if less than $35. If the balance exceeds the limit, the minimum payment is $35 plus the amount over the limit or 2% of the balance, plus the amount over the limit.
Credit Card Tips From The Consumer Financial Protection · 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://consumerfinance.gov/learnmore.
