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Visa Classic Disclosure

Interest Rates & Interest Charges

Annual Purchase Rate (APR) for Purchases
7.99%, 10.99%, OR 13.99% when you open your account, based on your creditworthiness
APR for Balance Transfers
7.99%, 10.99%, OR 13.99% when you open your account, based on your creditworthiness
APR for Cash Advances
7.99%, 10.99%, OR 13.99% when you open your account, based on your creditworthiness
Penalty APR and When It Applies
None
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 any 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 http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee
None

Transaction Fees

Foreign
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Payment Fees

Late Payment Fee
Up to $25.00
Over the Credit Limit Fee
Up to $10.00
Returned Payment Fee
Up to $25.00

How We Will Calculate Your Balance

We use a method called "average daily balance (including new purchases)."

Other Disclosures

Late Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.
Over The Credit Limit Fee
$10.00 or the amount of the transaction exceeding your credit limit, whichever is less, when your balance is more than 1.00% over the credit limit.
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee
$2.00
Rush Fee
$12.00

Emergency Card

Replacement Fee
$150.00
Card Replacement Fee
$10.00
Card Recovery Fee
$65.00