Interest Rates and Interest Charges
Visa Youth, Classic & Platinum
Annual Percentage
Rate (APR) for
purchases
Visa Signature Rewards
0% introductory APR for six months
9.25 % - 15.25 % based on
from the date card is opened.
After that, your APR will be
your creditworthiness.
6.70% -
This APR will vary with the market based on
the Prime Rate.
12.70% based on your
creditworthiness. This APR will vary with
the market based on the 11th District
Monthly Weighted Cost of Funds.
Annual Percentage
Rate (APR) for Cash
Advances
Annual Percentage
Rate (APR) for
Balance Transfers
6.70% - 12.70% based on your
creditworthiness.
This APR will vary with the market based
on the 11th District Monthly Weighted Cost
of Funds.
This APR will vary with the market based on
the Prime Rate.
2 % Introductory APR on transferred
9.25 % - 15.25 % based on your
balance for one year from the date of
transfer.
creditworthiness.
6.70% - 12.70% based on your
This APR will vary with the market based on
the Prime Rate.
creditworthiness.
How to Avoid Paying
Interest on
Purchases
Credit Card Tips
from the Consumer
Financial Protection
Bureau
9.25 % - 15.25 % based on your
creditworthiness.
This APR will vary with the market based
on the 11th District Monthly Weighted Cost
of Funds.
Your due date is at least 25 days after the close of each billing cycle. If at the beginning of a
billing cycle there are no unpaid purchase transactions from a prior billing cycle, we will
not charge interest on the portion of the purchase transactions paid by the due date.
To learn more about factors to consider when applying for or using a credit card, visit the
Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction
None
None
None
1% of each transaction in U.S.
dollars
None
2.5% of the advanced amount
None
Penalty Fees
Late Fee
$15
$27.00
Returned Payment
$15
$25.00
Fee
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
How We Will Calculate Your Rate: Signature Rewards Credit Card: After any applicable introductory rate period ends,
we will establish a margin of 5.50% - 11.50% based on your credit worthiness, and add this margin to the Prime Rate
to determine your APR
Loss of Introductory APR: We may end your introductory APR and apply the standard APR of 6.70% - 12.70% (based on
creditworthiness) if you make a late payment.
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