Visa® Platinum Advantage
Save money on high-interest credit card balances, pay down debt faster, and consolidate your debt into one low monthly payment with the credit card for balances transfers.
- 0% intro APR² for 12 months on balances transferred within the first 12 months with a 3% balance transfer fee³, OR 3.9% intro APR² for 12 months on balances transferred within the first 12 months with no balance transfer fee
- 0% intro APR¹ for 12 months on purchases made within the first 90 days
0% APR for 90 days
0% APR or 3.9% APR for 12 months
Introductory Balance Transfer Fee3
0% APR - 3% fee; 3.9% APR - $0 fee
Low Minimum Monthly Payments
Free Cards for Joint Owners
How to Avoid Paying Interest on Purchases
Your due date is 24th of every month. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Refer to Truth-In-Lending Terms and Conditions Disclosures and Current Fees and Charges for details.
10% APR on qualifying purchases posted within the first 90 days of account opening. The rate will be extended for the next 12 months. After that, your APR will be __VISA_ADVANTAGE_APR__ APR.
23.9% APR with a .3250 monthly periodic rate or 0% APR on balance transfers requested within the first 12 months of account opening. Introductory offer must be determined at the time of account opening. The rate will be extended for the next 12 months, thereafter a rate of __VISA_ADVANTAGE_APR__ APR. Balance transfers on or after the 13th month of account opening will be subject to the __VISA_ADVANTAGE_APR__ APR.
30% balance transfer introductory APR: $5 or 3% balance transfer fee, whichever is greater will be applied to each balance transfer requested within the first 12 months of account opening. 3.9% APR balance transfer introductory APR: No fee on balance transfer requested within the first 12 months of account opening.
4APR=Annual Percentage Rate
5Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
6Google Pay is a trademark of Google LLC.
7Samsung Pay is only compatible with supported cards, carriers, and Samsung devices. See Samsung.com/pay for compatibility. Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices.
Frequently Asked Questions
- How will my Visa payment be applied?
The minimum payment due will be applied to any interest and fees, then to any promo balances. If two or more balances have the same APR, the older balance is paid first, and then to the oldest revolving balance. If the payment is more than the minimum, the excess will be applied to the highest APR, if two or more balances have the same APR, the oldest balance will be paid first.