VISA® Platinum Rewards

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	11.99% APR, 13.99% APR, 15.99% APR, 17.99% APR, or 19.99% APR depending on how you meet our credit criteria.
APR for Balance Transfers	11.99% APR, 13.99% APR, 15.99% APR, 17.99% APR, or 19.99% APR depending on how you meet our credit criteria.
APR for Cash Advances	21.99%
Penalty APR and When It Applies	21.99% This APR may be applied if you are more than 60 days late in paying your bill. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. 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 $1.50.
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
• Balance Transfer	None
• Cash Advances	Charge for cash advances in excess of $40.00 obtained through ATM’s is 3% of the advance. Charge for cash advances obtained through any other source is 3% of the advance, $10.00 minimum, $50.00 maximum.
• Foreign Transaction	1% of each transaction in US Dollars.
Penalty Fees
• Late Payment	Up to $25.00
• Over-the-Credit-Limit	None
• Returned Payment	Up to $25.00
Other Fees
• Replacement Card Fee	$2.50
• Rush Card Fee	We will charge a rush card fee of $25.00 for express delivery if requested.

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to the extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for any ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).