Visa Credit Cards Interest Rates & Interest Charges | ||||
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Classic & Share Secured | Gold Lite | Platinum | ||
Annual Percentage Rate (APR for Purchases) |
13.50% | 9.90% | as low as 13.50% based on credit score | |
APR for Balance Transfers | 13.50% | 9.90% | as low as 13.50% based on credit score | |
APR for Cash Advances | 13.50% | 9.90% | as low as 13.50% based on credit score | |
Penalty Rate and When it Applies | There is no penalty rate. | |||
How to Avoid Paying Interest on Purchases | Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | |||
Minimum Interest Charge | There is no minimum interest charge. | |||
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 https://www.consumerfinance.gov/ | |||
Fees | ||||
Annual Fee | None | |||
Transaction Fees
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Penalty Fees
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Other Fees | None | |||
Document Copy Fee: $2.00 Statement Copy Fee: $2.00 Emergency Card Replacement Fee: Up to $160.00 Rush Fee: $75.00 Overnight, or $50.00 Second Day |
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How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). 1 |
1 Credit card interest charges are calculated using the total amount due on a card at the end of each day. The average daily balance totals each day's balance for the billing cycle and divides by the total number of days in the billing cycle.
*As-Low-As Annual Percentage Rate displayed is the lowest rate available on approved credit and Member Plus+ discounts. All loans are subject to approval.
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