Visa® Credit Card Rates, Fees & Other Information 

Rates Effective: June 1, 2019

Interest Rates & Charges

Signature Rewards

Platinum Rewards Platinum Platinum Business Rewards
Annual percentage rate (APR*) for purchases, cash advances, and balance transfer

Variable APR* between

12.24% -18.00%

Variable APR* between

11.24% -18.00%

Variable APR* between

10.24% -18.00%

Variable APR* between

13.24% -18.00%

Penalty APR and When It Applies NONE NONE NONE NONE
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance, including the promotional balance and the new purchases, by your billing due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
For 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 Signature Rewards Platinum Rewards Platinum Platinum Business Rewards

Set-up & Maintenance Fees

  • Annual Fee
  • Additional Card Fee

None

None

None

None

None

None

None

None

Balance Transfer Fee None None None None
Cash Advance Fee None None None None
Foreign Transaction Fee None 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars
Late Payment Fee Up to $25.00  Up to $25.00  Up to $25.00  Up to $25.00 
Over-The-Credit Limit Fee None None None None
Returned Payment Fee Up to $25.00 Up to $25.00 Up to $25.00 Up to $25.00
Statement Copy Fee None
Document Copy Fee None
PIN Replacement Fee None
Card Replacement Fee None
Features & Benefits Signature Rewards Platinum Rewards Platinum Platinum Business Rewards
Technology EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud
Signature Benefits Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks NA NA NA
Credit line Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Cardholders Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users
Rewards points

Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account

Earn 1.25 CURewards points for every dollar spent on all purchases

Earn 1 CURewards point for every dollar on all purchases None Earn 1 CURewards point for every dollar on all purchases
Rewards Options Redeem for cash, travel, merchandise or gift cards Redeem for cash, travel, merchandise or gift cards None Redeem for cash, travel, merchandise or gift cards
Point limits None None None None
Point expiration 5 years 5 years NA 5 years
Extended benefits1 Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service Travel Accident Insurance up to $50,000 Auto rental insurance Travel Accident Insurance up to $50,000

How We Will Calculate Your Balance: We us a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of May 1, 2019. The information may have changed after that date. To find out what may have changed contact the Credit Union.

Disclosures

  • *APR= Annual Percentage Rate. APR is based on evaluation of credit and will vary with the market based on the Prime Rate. Other terms and conditions may apply.
  • 1Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.
  • †The Visa Signature Credit Card 10,000 bonus rewards points offer applies to new card holders only. New cardholders will receive 10,000 bonus reward points when they make $1,500 in purchases within first 90 days of account opening. Balance transfers and cash advances do not apply. 
  • Visa Signature Rewards Guide to Benefits
  • Visa Platinum Rewards Guide to Benefits
  • Visa Platinum Guide to Benefits
  • Visa Business Platinum Rewards Guide to Benefits
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