Starter Classic Visa® Terms and Conditions

AutoPay Discount: If you sign up for automatic payments, you’ll receive a 0.25% rate discount on the rates below.

Table data for Important Information on Rates, Fees and Other Costs
 Effective 12-13-2018
Interest Rates and Interest Charges Alert Me

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.

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.

Fees Alert Me
Annual Fee

$0
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction




$0
$0
Foreign Transaction: Visa International Service Assessment Fee
          • Single Currency Transaction: 0.8% of transaction
          • Multiple Currency Transaction: 1.0% of transaction
Penalty Fees
• Late Payment
• Overlimit
• Return Payment


$25 for the first violation, $30 for the next violation(s) during the next 6 billing cycles
$0
$0

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