A young woman holds a credit card and uses a laptop.
A young woman holds a credit card and uses a laptop.

Wheelhouse
Credit Cards

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VISA CREDIT CARD RATES AND TERMS
Information is accurate as of May 21, 2024
and is subject to change.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Platinum Rewards – 15.50% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

Platinum – 14.74% 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 – 15.50% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

Platinum – 14.74% 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 – 15.50% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate.

Platinum – 14.74% 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.

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