Visa® Credit Card Rates
Rates Effective: December 1, 2018
 Interest Rates & Charges |
Signature Rewards | Platinum Rewards | Platinum | Platinum Business Rewards |
|---|---|---|---|---|
| Annual percentage rate (APR*) for purchases and cash advances | 0% APR for 12 Months¥, Variable APR* between 11.99% - 18.00% |
Variable APR* between 10.99% - |
Variable APR* between 9.99% - 17.99% |
Variable APR* between 12.99% - 18.00% |
| Annual percentage rate (APR*) for balance transfer | 0% APR for 12 Months¥, Variable APR* between 11.99% - 18.00% |
10.99%-18.00% APR* |
9.99%-17.99% APR* | 12.99%-18.00% APR* |
| Method of computing the balance of purchases | Average daily balance (including new purchases) | Average daily balance (including new purchases) | Average daily balance (including new purchases) | Average daily balance (including new purchases) |
| Minimum finance charge | If you are charged interest, the charge will be no less than $0.00. | If you are charged interest, the charge will be no less than $0.00. | If you are charged interest, the charge will be no less than $0.00. | If you are charged interest, the charge will be no less than $0.00. |
| 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 benefits | 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 |
| Fees | Signature Rewards | Platinum Rewards | Platinum Business | Platinum Rewards |
| Account Set-up Fee | 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 |
Disclosures
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¥0% Annual Percentage Rate (APR) available on purchases, cash advances, and balance transfers for new cardholders only. On the thirteenth (13th) billing cycle, the APR will adjust to the standard variable purchase APR, currently 11.99%–18.00%. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Other terms and conditions may apply. Offer expires April 30, 2019.
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*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.
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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.
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†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 Guide to Benefits
- Visa Platinum Rewards and Platinum Guide to Benefits
- Visa Business Platinum Rewards Guide to Benefits