Wheelhouse Credit Cards: Disclosures
VISA CREDIT CARD RATES AND TERMS
Information is accurate as of June 21, 2026 and is subject to change.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Platinum Rewards – 13.75% to 25.75% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum – 12.99% to 24.99% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Platinum Rewards – 13.75% to 25.75% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum – 12.99% to 24.99% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Platinum Rewards – 13.75% to 25.75% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum – 12.99% to 24.99% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| 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 consumerfinance.gov/learnmore. |
| Fees | |
| Annual Fee | None |
| Transaction Fee • Balance Transfers • Cash Advance • Foreign Transaction | • Either $5 or 3% of the amount of each transfer, whichever is greater. • Either $5 or 3% of the amount of each cash advance, whichever is greater. • 1% of each transaction in U.S. dollars. |
| Penalty Fees • Late Payment • Return Payment • Over-the-Credit-Limit | • $10 • Up to $25 • None |
| How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | |