Visa Platinum
Credit Card
Apply NowNo Annual Fee
No Foreign Transaction Fee
No Cash Advance Fee
No Balance Transfer Fee
Enjoy low rates and zero surprise fees
Save with lower rates than most other credit cards can offer. Plus, transfer your higher rate balances to us and get up to 1% cash back with no balance transfer fee!*
- $0 annual fee
- No foreign transaction fee
- No cash advance fee
- No balance transfer fee
- Accepted wherever Visa is
- Optional payment protection
- Manage your card with free online and mobile banking
Find your best credit card
Compare all our credit cards or stop by a branch to discuss your options. We’ll help you choose the best card for your needs.
Is a credit card right for you?
Make life easier
For everyday spending and smaller purchases, a credit card can make life easier.
Get a safety net
When used responsibly, credit cards offer convenience, security and a safety net for unexpected expenses.
Avoid interest charges
If you pay your balance in full on time each month, you’ll avoid any interest charges.
Great for smaller, everyday expenses
Visa Platinum Credit Card Details
Rate Information
Purchase APR
8.90% - 16.90%
A purchase APR (Annual Percentage Rate) is the interest rate applied to standard credit card purchases if you do not pay your balance in full by the due date.
Balance Transfer Fee
$0
How much it costs to move other credit card balances to this card.
Annual Fee
$0
The price you pay to have your card.
Foreign Transaction Fee
$0
The fee you pay when you make a purchase with your card in another country or currency.
Application and Solicitation Disclosure
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases
8.90% - 16.90% The APR is based upon credit worthiness. Rate will be disclosed when approved.
APR for Balance Transfers
8.90% - 16.90% The APR is based upon credit worthiness. Rate will be disclosed when approved.
APR for Cash Advances
8.90% - 16.90% The APR is based upon credit worthiness. Rate will be disclosed when approved.
Penalty APR and When it Applies
18.00% This APR may be applied to your account if you make a late payment twice in any six (6) month period. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.
How to Avoid Paying Interest on Purchases
Your due date is at least 27 days after the close of each billing cycle. We will 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 Credit Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
None
Transaction Fees
Balance Transfers
None
Cash Advance
None
Foreign Transaction
None
Penalty Fees
Late Payment
$20
Return Payment
$15