Visa® Classic

You should review the following disclosure terms and conditions prior to completing your application.
Any application submitted is subject to the terms of the product offered.

Visa Classic Non-Variable Rate Option

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases0.00% introductory APR for six months from date of account opening.
After that, your APR will be 14.90% to 18.90% based on your creditworthiness.
APR for Balance Transfers0.00% introductory APR for six months, for qualifying balance transfers of $250 or more completed within 1 month from the account opening date.
After that, your APR will be 19.15% to 23.15% based on your creditworthiness.
APR for Cash Advances19.15% to 23.15% when you open your account, based on your creditworthiness.
How to Avoid Paying Interest on PurchasesYour 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.
Minimum Interest ChargeIf you are charged interest on purchases, the charge will be no less than $1.00.
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

Transaction Fees
  • Balance Transfer
3% of the amount of each transfer
  • Cash Advance
Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee: $50)
  • Cash Equivalent Purchases
Either $15 or 5% of the amount of each purchase of a cash equivalent, whichever is greater (maximum fee: $50)
  • Foreign Transaction
3% of each transaction in U.S. dollars
  
Penalty Fees 
  • Late Payment
Up to $25
  • Returned Payment
Up to $25

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".