Visa Credit Card Application and Solicitation Disclosures

Visa Platinum Rewards — Visa Signature — Visa Secured

P.O. Box 20541
Atlanta, GA 30320-2541

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Platinum Rewards
14.50% to 18.50%, based on your creditworthiness

Visa Signature
16.50% to 20.50%, based on your creditworthiness

Visa Secured
18.50%

Your APR will vary with the market based on the Prime Rate
APR for Balance Transfers
Visa Platinum Rewards
14.50% to 18.50%, based on your creditworthiness

Visa Signature
16.50% to 20.50%, based on your creditworthiness

Visa Secured
18.50%

This APR will vary with the market based on the Prime Rate
APR for Cash Advances
Visa Platinum Rewards
14.50% to 18.50%, based on your creditworthiness

Visa Signature
16.50% to 20.50%, based on your creditworthiness

Visa Secured
18.50%

This APR will vary with the market based on the Prime Rate
Penalty APR and When it Applies

Visa Platinum Rewards
19.50% to 23.50%, based on your creditworthiness

Visa Signature
21.50% to 25.50%, based on your creditworthiness

Visa Secured
23.50%

This APR will vary with the market based on the Prime Rate

This APR may be applied to the entire balance on your account if you:

  • Make a late payment

How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your monthly statement.

Paying Interest
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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
None
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
Annual Fee
None
Transaction Fees
- Cash Advance
- Foreign Transaction Fee

$6.00
1.00% of each currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Effective Date: The information about the costs of the card described in this disclosure is accurate as of November 20, 2024. This information may have changed after that date. For more information please contact us at 1-800-544-3328.

Other Fees & Disclosures
Late Payment Fee 
$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less. Returned payment fees are assessed for both returned checks and for returned auto transfer payments that are NSF on the due date.
Statement Copy Fee 
$3.00
Rush Fee 
$15.00 Monday - Friday
$30.00 Saturday
If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery. 
Stop Payment Fee 
$15.00
Payment Holiday Fee 
$0.00