0% intro APR4 for 12 months on balances transferred within the first 12 months. 3% balance transfer fee.  Thereafter,  your APR will be 13.25% to 21.25% based on your creditworthiness.

- OR -

3.9% intro APR4 for 12 months with no balance transfer fee on balances transferred within the first 12 months. Thereafter,  your APR will be 13.25% to 21.25% based on your creditworthiness.

0%  intro APR³ for 12 months on purchases made within the first 90 days. Thereafter,  your APR will be 11.25% to 19.25% based on your creditworthiness.

Get flexibility on balance transfers
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No matter which card you choose, we've got you covered.

OUR LOWEST INTEREST 
RATE EVER

ON PURCHASES AND BALANCE TRANSFERS FOR 12 MONTHS

VISA® PLATINUM ADVANTAGE
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No annual fee

No foreign transaction fees

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Visa transaction and fraud alerts

No penalty APR for late payments

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✔ Two options to help you consolidate debt

✔ 0% intro APR³ for 12 months on purchases

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Refer to Truth-In-Lending Terms and Conditions Disclosures (Visa Platinum Rewards, Visa Platinum Advantage) and Current Fees and Charges for details.

Visa Platinum Rewards Credit Card: 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 13.25% to 21.25%. 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 15.25% to 23.25% APR. Balance transfers on or after the 13th month of account opening will be subject to the 15.25% to 23.25% Cash Advance APR. 0% 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. 5Choice Rewards Points are earned for every $1 of net dollar signature credit card purchases. Does not apply to Visa Rewards Debit Card.

 Visa Platinum Advantage Credit Card: 
³0% 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 11.25% to 19.25%. 40% APR or 3.9% APR with a .3250 monthly periodic rate 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 13.25% to 21.25% APR. Balance transfers on or after the 13th month of account opening will be subject to the 13.25% to 21.25% Cash Advance APR. 0% 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.


0% intro APR¹ for 12 months on purchases made within the first 90 days. Thereafter,  your APR will be 13.25% to 21.25% based on your creditworthiness. 

0% intro APR² for 12 months on balances transferred within the first 12 months. 3% balance transfer fee. Thereafter,  your APR will be 15.25% to 23.25% based on your creditworthiness. 

$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 else.5

Get unlimited cash-back rewards
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VISA® PLATINUM REWARDS
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✔ Rewards never expire

✔ No changing categories

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