Shop. Tap. Earn.
Get up to $25 cash back with your Everwise Visa®.
Shop confidently with Visa card perks.
Visa®'s Zero Liability Policy protects you if your card is lost, stolen or used fraudulently.
Verified by Visa® safeguards your identity and your online shopping experience.
Visa®Checkout lets you skip guest checkout and bypass form fields and passwords.
Take advantage of your card's features.
Visa® Platinum
Lock in our lowest rate* with Visa® Platinum, the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.
- Easy cash advances at ATMs
- Automated card alerts
- No foreign country transaction fee
- Roadside Dispatch®
Visa® Signature Rewards
Rack up the rewards by earning 1.5 points for every dollar spent, redeemable any time for cash back, merchandise, travel, or gift cards.
- Earn points to redeem for rewards
- Easy cash advances at ATMs
- Automated card alerts
- No foreign country transaction fee
- Roadside Dispatch®
- Visa® Concierge†
- Visa® Luxury Hotel Collection
- Travel emergency assistance
- Rental car
- Extended warranty protection
Visa® Platinum Rewards
Earn 1.5 rewards points for every dollar spent at a low monthly rate. Redeem your reward points any time for cash back, merchandise, travel, or gift cards.
- Earn points to redeem for rewards
- Easy cash advances at ATMs
- Automated card alerts
- No foreign country transaction fee
- Roadside Dispatch®
† The purchase of goods or services from a merchant in connection with your use of Visa Concierge, including any reservation or booking completed by Visa at your request, are solely between you and the respective merchant and Visa is not a party to the purchase.
Check out all these great benefits with Visa.
| Visa® Platinum | Visa® Signature Rewards | Visa® Platinum Rewards | |
|---|---|---|---|
|
No annual fee |
Checked | Checked | Checked |
|
No application fee |
Checked | Checked | Checked |
|
Easy cash advances at ATMs |
Checked | Checked | Checked |
| Automated card alerts | Checked | Checked | Checked |
| No foreign country transaction fee | Checked | Checked | Checked |
| Roadside Dispatch® | Checked | Checked | Checked |
| Visa Concierge† | Checked | ||
| Visa Luxury Hotel Collection | Checked | ||
| Travel emergency assistance | Checked | ||
| Rental Car Collision Damage Waiver | Checked | ||
| Extended warranty protection | Checked | ||
| Zero Liability® coverage | Checked | Checked | Checked |
Don't forget to add your card to your mobile wallet for faster, easier and more secure shopping.
Interest Rates and Charges
| Interest Rate and Interest Charges | Visa® Platinum | Visa® Signature Rewards | Visa® Platinum Rewards |
|---|---|---|---|
| APRiii for Purchases & Balance Transfers |
0.00% introductory APRii for the first six months from the date the account is opened. After that, your APR will be 11.50% to 21.50%b based on your creditworthiness. This APR will vary with the market based on the Prime Rate.a
|
0.00% introductory APRii for the first six months from the date the account is opened. After that your APR will be 15.50% to 19.50%b based on your creditworthiness. This APR will vary with the market based on a Prime Rate.a |
0.00% introductory APRii for the first six months from the date the account is opened. After that, your APR will be 11.50% to 21.50%b based on your creditworthiness. This APR will vary with the market based on the Prime Rate.a |
| APRiii for Cash Advances |
14.25% to 24.25%iv based on your creditworthiness. This APR will vary with the market based on the Prime Rate. a |
15.75% to 19.75%v based on your creditworthiness. This APR will vary with the market based on a Prime Rate.a |
14.25% to 24.25%iv based on your creditworthiness. This APR will vary with the market based on the Prime Rate. a |
| Penalty APR | None | None | None |
| Minimum Interest Charge | $.50 | $.50 | $.50 |
| Minimum Monthly Payment | Greater of 2% of the new balance or $25 | Greater of 2% of the new balance or $25 | Greater of 2% of the new balance or $25 |
|
How to Avoid Interest Payments: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, balance transfers or cash advances if you pay your entire balance by the due date each month. Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Learn more | Consumer Financial Protection Bureau (consumerfinance.gov) |
|||
Fees
| Visa® Platinum | Visa® Signature Rewards | Visa® Platinum Rewards | |
|---|---|---|---|
| Annual Fee | None | None | None |
| Balance Transfer Feevi | Greater of $10 or 2% per transaction | Greater of $10 or 2% per transaction | Greater of $10 or 2% per transaction |
| Cash Advance Fee | None | None | None |
| Return Payment Fee | $25.00 | $25.00 | $25.00 |
| Convenience Fee | Up to $10.00 | Up to $10.00 | Up to $10.00 |
| Late Payment Feevii | IN = $25 MI = greater of $15 or 5% of minimum payment | IN = $25 MI = greater of $15 or 5% of minimum payment | IN = $25 MI = greater of $15 or 5% of minimum payment |
| Expedited Delivery Fee | Up to $26.00 | Up to $26.00 | Up to $26.00 |
| Stop Payment Feeviii | $18.00 | $18.00 | $18.00 |
Membership: Must meet eligibility requirement, $7 membership fee and $5 primary share (savings account) minimum balance requirement.
Method of Computing the Balances: We use the method of average daily balance including new purchases.