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Classic Visa® Card

A Classic that gets better with time

0% intro APR on balance transfers for 12 months if done within the first 30 days of account opening (Unpaid balances will revert to 18% APR after intro period).*

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  • This VISA card is secure, affordable, and easy to manage. Set alerts, then enjoy worry-free shopping.

    • 0% balance transfer for 12 months*—if done within the first 30 days of account opening
    • Automatic APR Reduction to as low as 7.00% APR1
    • Up to a $10,000 credit limit
    • No annual fee*

    Start fresh

    We understand it’s difficult to apply for a credit card with a few years of credit history. Our Starter Classic Credit Card could help build your credit.

    More purchase power

    If you’ve had years of credit history, our Classic Credit Card could help your credit and earn a higher credit limit.

  • Rates


    Classic Visa Rates

    Rates Effective as of: 02-22-2024

    APR* as Low As Amount Rate Types
    18.00% $1,000-$5,000 Variable


    Important Information on Rates, Fees and Other Costs

    Interest Rates and Interest Charges for Classic Visa

    Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
    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 interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


    Annual Fee$0

    Transaction Fees

    Balance Transfer3% of the amount of each transaction
    Cash Advance3% of the amount of each transaction
    Foreign TransactionForeign Transaction: Visa International Service Assessment Fee Single Currency Transaction: 0.8% of transaction Multiple Currency Transaction: 1.0% of transaction

    Penalty Fees

    Rates Effective as of: 02-22-2024

    Late Payment$25 for the first violation, $30 for the next violation(s) during the next 6 billing cycles
    Return Payment$25


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


Apply for the Classic Visa® Card Today

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Questions? Talk to an expert. 800.421.7111


1Your APR will be reduced by 0.25% if you make three minimum balance payments by the required due date within a consecutive period and you make a total of $300 in Point of Sale (POS) purchases within a consecutive period. A consecutive period is defined as follows: a three-month timeframe [e.g. (January, February and March) or (February, March and April)]. If a payment(s) is/are not made by the required due date during any month within a consecutive period, a “new” consecutive period is initiated.  For example, if you do not make a payment by the required due date or if you do not make a total of $300 in Point of Sale (POS) purchases in January, but meet all payment and purchase requirements in February, March and April, you will still qualify for the 0.25% APR reduction. If you meet all payment and purchase requirements in January, February and March, you will qualify for the 0.25% APR reduction.  You can still qualify for the additional 0.25% APR reduction if you meet the payment and purchase requirements in April, May, and June. These 0.25% APR reductions will continue to occur if you meet all payment and purchase requirements until you reach the maximum achievable 7.00% APR. During one calendar year you may earn up to four 0.25% APR reductions totaling a 1% APR reduction. The maximum achievable APR with these 0.25% APR reductions is 7.00%. The Automatic APR Reduction does not apply to any promotional rate offers. Point of Sale (POS) purchase requirements do not include ATM transactions, cash advances, or balance transfers.


*Qualifications for the 0% balance transfer for 12 months is the transfers must be completed within 30 days of account opening. Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Foreign Transaction Fee: When using your SkyOne Visa® credit card or debit card outside the U.S., there is an International Service Assessment (ISA) fee for each transaction. Single Currency Transaction (your transaction is done in US Dollars) – 0.8% of the transaction. Multiple Currency Transaction (your transaction requires conversion from the local currency into US Dollars) – 1.0% of the transaction. Whether your transaction is a single or multiple currency transactions depends on the country, the merchant, and how the merchant processes the transaction.


**APR=Annual Percentage Rate. Published rates, terms, and conditions are subject to change at any time. This information may have changed after that date. To find out what may have changed, call us at 800.421.7111. Rates, terms and loan amounts are based your creditworthiness; all loans are subject to credit approval. The lowest APR offered above is the lowest rate possible inclusive of any applicable rate discounts for qualified borrowers and is subject to change without notice. Verification of income may be required. Certain restrictions, limitations, and exclusions apply. For complete Terms and Conditions, click here. For complete Visa Benefits details, click here.