The State Bank and Trust Company
Visa Platinum Credit Card
- APR for purchasesIntroductory rate shown first.
- 0%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardAll applicants6.99%–21.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardCredit score of 720 or greater13.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- APR for balance transfers
- 2.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- APR for cash advances
- All applicants6.99%–21.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardCredit score of 720 or greater13.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Penalty APRCharged after a late or returned payment.
- —
- Paying interestThe grace period on new purchases.
- 25 days from the close of each billing cycleConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Transaction fees
- Cash advance$5 or 3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardBalance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardForeign transaction1% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Penalty fees
- First late fee$35Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardReturned payment—
- Other fees
- Returned payment$35Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardPay by phone$6Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-cardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Balance transfer termsHow long a transfer may be requested for, and how much may be moved.
- Grace period on transfersYesConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:state-bank-and-trust-company-the:visa-platinum-credit-card · captured 2026-09-06