Credit Card Rates
Platinum VISA® Credit and PlatinumEdge VISA® Awards Credit Cards
These rates are accurate as of November 28, 2023.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Platinum VISA® 7.50% to 16.75% based on your creditworthiness. PlatinumEdge VISA® Awards 8.50% to 17.75% based on your creditworthiness. |
| APR for Balance Transfers | Platinum VISA® 7.50% to 16.75% based on your creditworthiness. PlatinumEdge VISA® Awards 8.50% to 17.75% based on your creditworthiness. |
| APR for Cash Advances | Platinum VISA® 7.50% to 16.75% based on your creditworthiness. PlatinumEdge VISA® Awards 8.50% to 17.75% based on your creditworthiness. |
| Penalty APR and When it Applies | Platinum VISA® None PlatinumEdge VISA® Awards None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | None |
| 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. |
| Fees | |
|---|---|
| Annual Fee – Platinum VISA® – PlatinumEdge VISA® Awards |
None None |
| Transaction Fees – Foreign Transaction Fee |
1% of each transaction in U.S. Dollars |
| Penalty Fees | – Late Payment Fee | $25.00 or the amount of the required minimum payment, whichever is less, if you are late in making a payment. | – Returned Payment Fee | $25.00 or the amount of the required minimum payment, whichever is less. |
| Other Fees – Rush Fee |
$50.00 |
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”