Visa® Credit Card Rates, Fees & Other Information
Rates Effective: June 1, 2020
 Interest Rates & Charges |
Signature Rewards |
Platinum Rewards | Platinum | Platinum Business Rewards |
|---|---|---|---|---|
| Annual percentage rate (APR*) for purchases |
Variable APR* between 9.99% -18.00% |
Variable APR* between 8.99% -18.00% |
Variable APR* between 7.99% -18.00% |
Variable APR* between 10.99% -18.00% |
| Annual percentage rate (APR*) for cash advances and balance transfer |
Variable APR* between 9.99% -18.00% |
Variable APR* between 8.99% -18.00% |
Variable APR* between 7.99% -18.00% |
Variable APR* between 10.99% -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
|
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 |
Earn 2 CURewards points for every dollar spent on all purchases 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 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, 2020. 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 cardholders 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