VISA Card Rates and Application
| | Visa Classic | Visa Platinum | Visa Celebrity |
|---|
| Annual Percentage Rate for Purchases |
11.9% to 18% |
9.9% to 18% |
6.90% Fixed
|
| Other APRs Cash Advances and Balance Transfers |
11.9% to 18% |
9.9% to 18% |
6.9% to 18% |
| **Default Rate |
18% |
18% |
18% |
| Penalty APR and When It Applies |
This APR may be applied if you: 1) Make a payment that is 60 days late.
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. |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Annual Fee |
None |
Transaction Fees
- Balance Transfer
- Cash Advance
- Foreign Transaction Fee |
None
None
1% |
Penalty Fees
- Late Payment Fee
- Returned Payment
- Over-the-Credit-Limit |
up to $15.00
up to $35.00
up to $10.00 |
| Other Fees |
None |
| Minimum Payment |
2.5% of outstanding balance or $25, whichever is greater |
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Download the Interest Rates and Charges here.
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*Rate differential based on credit score. **Default rate effective if payment not received within 60 days of payment due date.
