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Add cards by their address. Each column is the same disclosure the product page shows, in the same order, with the same links to the document each value was read from.
The State Bank and Trust Company
- 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