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Personal Banking Credit Card

PLATINUM LOW RATE* PLATINUM PREMIER*
Reward Points None 1.5 for $1
Annual Fee None None
Annual Percentage Rate (APR) for Purchases and Balance Transfers 11.25% This APR will vary with the market based on the Prime Rate.** 15.25% This APR will vary with the market based on the Prime Rate.††

Visa® Credit Card Benefits

Each of our cards includes the Card Valet® app and service, which allows you to temporarily freeze your card for added security, set spending limits, and set geographical boundaries for your card. All cardholders also enjoy 24/7 fraud protection, Visa® Zero Fraud Liability, auto rental collision damage waiver, Roadside Dispatch®, cell phone protection, travel accident insurance and extended warranty protection.

Card Valet App®
Benefits PLATINUM LOW RATE* No Rewards PLATINUM PREMIER* 1 to 1.5 Rewards
Auto Rental Collision Damage Waiver yes yes
Roadside Dispatch® yes yes
Cell Phone Protection $100/claim, max of $200/year $50 deductible $250/claim, max of $500/year $50 deductible
Travel Accident Insurance $250,000 $500,000
Travel and Emergency Assistance Services yes
Extended Warranty Protection yes yes
Purchase Security yes
Baggage Delay Reimbursement yes
Price Protection yes
Trip Cancellation & Interruption yes
Hotel Theft Protection yes
Interest Rates & Charges PLATINUM LOW RATE*
No Rewards
PLATINUM PREMIER*
1 to 1.5 Rewards
Annual Percentage Rate (“APR”) for Purchases and Balance Transfers 11.25%
This APR will vary with the market based on the Prime Rate.**
15.25%
This APR will vary with the market based on the Prime Rate.††
APR for Cash Advances 18.25%
This APR will vary with the market based on the Prime Rate.‡‡
18.25%
This APR will vary with the market based on the Prime Rate.‡‡
Penalty APR and When it Applies N/A N/A
Paying Interest There is no grace period on balance transfers or cash advances. Your due date is at least 21 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. There is no grace period on balance transfers or cash advances. Your due date is at least 21 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1 If you are charged interest, the charge will be no less than $1
Credit 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
Credit Card Fees PLATINUM LOW RATE*
No Rewards
PLATINUM PREMIER*
1 to 1.5 Rewards
Annual Fee None None
Set-Up Fee, Maintenance Fee None None
Transaction Fees: Balance Transfer Fee The greater of $5 or 3% of the amount transferred The greater of $5 or 3% of the amount transferred
Transaction Fees: Cash Advance Fee The greater of $10 or 4% of the amount advanced. The greater of $10 or 4% of the amount advanced.
Transaction Fees: Foreign Currency 2% of each transaction will be charged in U.S. dollars. 2% of each transaction will be charged in U.S. dollars.
Penalty Fees: Late Payment Fee Up to $30 Up to $30
Penalty Fees: Over-the-Credit-Limit Fee None None
Penalty Fees: Returned Payment Fee $25 $25
Other Fees: Rushed Credit Card Fee $70 per card $70 per card
Penalty Fees: Expedited Payment Fee $10 $10

*Subject to credit approval.

**We add 8.00% to the Prime Rate to determine the Purchase and Balance Transfer APRs.

††We add 12.00% to the Prime Rate to determine the Purchase and Balance Transfer APRs.

‡‡We add 15.00% to the Prime Rate to determine the Cash Advance APR.

VISA and Roadside Dispatch are federally registered trademarks of Visa.

Card Valet and uChoose Rewards are federally registered trademarks of Fiserv, Inc.