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Platinum Elite Visa® Signature Card

Get rewarded this holiday season

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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  • A credit card that fits you, not the other way around

    With Platinum Elite, you won’t have to spend according to one program. You’ll earn rewards on what matters most to you. Whether that’s rewards for online shopping on Amazon, weekend getaways, or for that new outfit you’ve been eyeing—you have control.

    Tungsten Metal Card

    • 0% balance transfer for 12 months*–if done within the first 30 days of account opening
    • Earn up to 30,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening2
    • Credit limits up to $50,000
    • Our Choice Rewards program gives you the ability to choose your own rewards from a variety of different categories
    • $65 Annual Fee
    • Travel and Emergency Assistance, and more3

    The POWER to choose

    With Platinum Elite, you have the ability to choose your rewards from a variety of different categories. Choices include a wide range from Restaurants to Book Stores to Pet Stores. That’s your life rewarded, your way.

    Until you update your categories, you’ll earn 3x rewards on travel and groceries; 2x rewards on restaurants, bars, and gas; and 1x points on everything else!

  • Rates


    Platinum Elite Visa Signature Rates

    APR* As low as Credit Limit Rate Type
    18.00%$2,500 - $50,000 Variable


    Important Information on Rates, Fees and Other Costs

    Interest Rates and Interest Charges for Platinum Elite Visa Signature

    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$65

    Transaction Fees

    Balance Transfer3% of the amount of each transaction
    Cash Advance3% of the amount of each transaction
    Foreign Transaction0%

    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).



Your life rewarded, your way.

Apply Now

Questions? Talk to an expert. 800.421.7111


Membership is required.


Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click here.


*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. $65 annual fee. For complete Terms and Conditions, click here.


1APR=Annual Percentage Rate. Published Platinum Rewards Visa rates, terms, and conditions effective as of 02-06-2023 and 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. SkyOne reserves the right to terminate this offer at any time.


230,000 Bonus Points Offer is subject to cancellation at any time. To qualify and receive your bonus, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.


Qualified Elite accounts earn an additional 2 bonus points per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Supermarkets.  Qualified Elite accounts earn an additional 1 bonus point per $1 in spend on qualified purchases in Restaurants/Bars and Gas. Bonus points are in addition to daily reward points of 1 point per $1. A qualified account must be open and in good standing at the time earned bonus points are credited. Qualified Restaurant/Bar purchases include restaurants, food delivery services, and bars and excludes fast food. Qualified Supermarket purchases include grocery stores, excludes discount stores and wholesale clubs, and may exclude specialty food stores such as bakeries, meat provisioners, dairy products, and confectionery stores. Qualified gas purchases include purchases from eligible gas merchants. Spending cap of $7500 per quarter for bonus rewards. Qualified Elite accounts earn 1 point per $1 after $7500 is spent in qualified categories.


SkyOne is not responsible for merchant codes that do not allow us to capture the information needed to award bonus points. Visa determines the industry category and code for merchants, generally based on the merchant’s line of business. A purchase will not earn promotional points if the merchant’s category code is not an eligible category for the promotion. Some transactions do not qualify for points, including balance transfers, cash advances, fees including an annual fee, and purchases made using certain types of wireless technology.


3Certain restrictions, limitations, and exclusions apply. For complete Visa® Benefits details, click here.


Visa® Signature is a registered trademark of VISA U.S.A. Inc.