Start earning rewards on what matters now.
A credit card that makes sense for your life right now. Earn rewards for just about everything!
- Get 10,000 bonus points when you spend $1,500 on purchases in the first 3 months from account opening**
- 0% balance transfer for 12 months*—if done within the first 30 days of account opening
- Credit limits up to $25,000
- No annual fee*
- Earn 1.5X rewards on travel, restaurants, and bars. Additionally, earn 1 point for each $1 spent on qualifying purchases2
- Our Choice Rewards program gives you the ability to choose your own rewards from a variety of different categories.†
- Travel and Emergency Assistance, and more3
Platinum Rewards Visa 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 Rewards Visa
Rates Effective as of: 10-04-2023
Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances 18.00% 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 Purchases Your 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 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 www.consumerfinance.gov/learnmore.
Annual Fee $0
Balance Transfer 3% of the amount of each transaction Cash Advance 3% of the amount of each transaction Foreign Transaction Foreign Transaction: Visa International Service Assessment Fee Single Currency Transaction: 0.8% of transaction Multiple Currency Transaction: 1.0% of transaction
Rates Effective as of: 10-04-2023
Late Payment $25 for the first violation, $30 for the next violation(s) during the next 6 billing cycles Overlimit $0 Return Payment $0
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
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.
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 on 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. For complete Terms and Conditions, click here.
2Restrictions 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.
3Certain restrictions, limitations, and exclusions apply. For complete Visa Benefits details, 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. 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.
**10,000 Bonus Points Offer is subject to cancellation at any time. To qualify and receive your bonus, you must make Purchases totaling $1,500 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 Platinum Rewards accounts earn an additional 0.5 bonus point per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Restaurant/Bars. 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/Bars purchases include restaurants, food delivery services, and bars. Excludes fast food. 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 annual fee, and purchases made using certain types of wireless technology.
Visa® is a registered trademark of VISA U.S.A. Inc.