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Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026

Visa Platinum Credit CardThe State Bank and Trust Company · SM bank, IN · FDIC 13339

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Purchase APR
great credit
Balance transfer
no ongoing rate filed
Cash advance APR
fixed
Annual fee
a year
Foreign fee
of the amount
Grace period
25 days
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, reported median duration 6 months0%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Great creditmedian 13.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants6.99%–21.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for balance transfersintroductory rate first2.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for cash advances
Great creditmedian 13.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants6.99%–21.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases25 days from the close of each billing cycle——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Transaction fees
Cash advance$5 or 3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
First late fee$35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned payment—no source read
Other fees
Returned payment$35, When a payment is returned due to NSFConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Pay by phone$6, When a payment is made over the phoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer termsYesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website