Visa® Platinum Rewards
Get unlimited cash-back rewards redeemable for statement credit/cash back, gift cards, travel, event tickets, merchandise, and Credit Union Product & Service Discounts. Plus, right now you’ll get our lowest rates ever on purchases and balance transfers:
- 0% intro APR¹ for 12 months on purchases made within the first 90 days.
- 0% intro APR² for 12 months on balances transferred within the first 12 months. 3% balance transfer fee³
- $100 Bonus: Spend $3,000 or more within the first 90 days and earn a bonus 10,000 Choice Rewards Points redeemable up to $100 in cash-back rewards!
- Earn 2 points at gas stations and restaurants, 5 points for charitable donations, and 1 point for everything else6.
0% APR for 90 days
0% for 12 months
Earn points for every dollar charged redeemable for thousands of items and statement credit/cash back!
Introductory Balance Transfer Fee3
Low Minimum Monthly Payments
Available Upon Request
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_REWARDS_APR__ APR.
20% APR on balance transfers requested within the first 12 months of account opening. The rate will be extended for the next 12 months, thereafter a rate of __VISA_REWARDS_APR__ APR. Balance transfers on or after the 13th month of account opening will be subject to the __VISA_REWARDS_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.
4APR=Annual Percentage Rate
5Apple Pay and iPad Mini are trademarks of Apple Inc. Apple, iPad Air, Passbook and iTunes are registered trademarks of Apple Inc.
6Choice Rewards Points are earned for every $1 of net dollar signature credit card purchases. Does not apply to Visa Rewards Debit Card.
7Google Pay is a trademark of Google LLC.
8Samsung 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.