Wheelhouse
Credit Card

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VISA CREDIT CARD RATES AND TERMS
Information is accurate as of April 21, 2023
and is subject to change.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Platinum Rewards– 15.00% to 27.00% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum– 14.24% to 26.24% 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– 15.00% to 27.00% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum– 14.24% to 26.24% 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– 15.00% to 27.00% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Platinum– 14.24% to 26.24% 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 http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Transaction Fees 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 Returned Payment Over-the-Credit-Limit	$10 Up to $20 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.