Your Choice VALUE or REWARDS
0% Intro APR* for purchases and balance transfers
Personal or Business
Three ways to apply for the Personal Visa® Credit Card:
Apply online (click here to apply)
Apply toll-free by phone at 866-274-2328
Applications are available at our financial service centers (click here for locations )
Personal Visa® Cards
Platinum Card
No annual fee
Generous credit line
0% introductory APR* on purchases and balance transfers
Exclusive Platinum benefits
Platinum Card with Optional Platinum Rewards
Earn 1 point for every $1 in net purchases** made with your Platinum Rewards Card
Redeem points for merchandise, gift cards, travel and even cash! (10,000 points = $100 check)
One-time enrollment fee of $19
Cash Rewards Card
Earn 1% for every $1 in net purchases** made with your Cash Rewards Card. Every time your new spending reaches $5,000 - we’ll automatically mail you a check for $50
No annual fee
Generous credit line
0% introductory APR* on purchases and balance transfers
Business Visa® Cards
(please use applications available at our financial service centers)
Business Card
No annual fee
0% introductory APR* on purchases and balance transfers
Exclusive Platinum benefits
Online account access
Detailed monthly statement
Free additional cards after acount set up
Business Rewards Card
Earn 1 point for every $1 in net purchases** charged to your Business Rewards Card. Redeem points for merchandise, gift cards, travel and even cash
0% introductory APR* on purchases and balance transfers
Exclusive Platinum benefits
Online account access
Detailed monthly statement
$35 annual fee
*Introductory Rate: The introductory APR for purchases and balance transfers will remain in effect through the closing date of the sixth billing cycle after your account is opened, so long as the minimum amount due on account statement is paid by each payment due date during the promotional period. If not, the introductory APR will adjust in the billing cycle following any late payment to the variable APR for purchases and balance transfers as described above then in effect, or the delinquency APR, as applicable.
Platinum Card: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 12/08, the WSJ Prime Rate is 4.00%. APRs are competitive and range from 7.99% to 16.99%. Variable APR is determined based on a review of the cardholder's application and credit history. Not everyone will qualify for the lowest rate. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 12/08. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
Cash Rewards Card: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 12/08, the WSJ Prime Rate is 4.00%. APR is a competitive 12.99%. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 12/08. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
Business Card and Business Rewards Card: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 12/08, the WSJ Prime Rate is 4.00%. APRs are a competitive 9.99% for Business and 11.99% for Business Rewards. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 12/08. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
**Net purchases are defined as the dollar value of goods and services purchased with the card minus any credits, returns or other adjustments effected on the monthly statements.
