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Starter Visa Terms and Conditions

Important Information on Rates, Fees and Other Costs

Interest Rates and Interest Charges for Starter Visa

Rates Effective as of: 07-19-2024

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: 07-19-2024

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).



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