Important Terms and Conditions
Visa Signature ® Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 0.00 %APR* Introductory rate is valid for 6 months from the date that your new card account is opened. Based on your credit worthiness, after this introductory period, your APR will be: 1 4. 65 %- 17.90% APR * This APR will vary with the market based on the Prime Rate.
APRs for Balance Transfers · 0.00 %APR* Introductory rate is valid for 6 months from the date that your new card account is opened. Based on your credit worthiness, after this introductory period, your APR will be: 14.65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.
APRs for Cash Advances · 0.00 %APR* Introductory rate is valid for 6 months from the date that your new card account is opened. Based on your credit worthiness, after this introductory period, your APR will be: 14.65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies · None
Minimum Interest Charge · None
How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month.
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
Set-up and Maintenance Fees Annual Fee · None
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · None None None
Penalty Fees
• Late Payment • Over-the-Credit Limit • Returned Payment · Up to $25 ** None Up to $25
How We Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See cardholder agreement for complete details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
