Premier Visa® Black Visa®
Annual Percentage Rate (APR) for Purchases

11.90%

6.00%*

APR for Cash Advances

11.90%

6.00%

APR for Balance Transfers

11.90%

6.00%

Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
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 Consumer Financial Protection Bureau at consumerfinance.gov.
Fees
Annual Fee None
Transaction Fees
Foreign Transaction Fee 1.00% of each multiple currency transactionin U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee Up to $25.00
Returned Payment Fee Up to $25.00
Rush Fee $35.00
Credit Card Replacement Fee $12.00
Document Copy Fee $5.00

 

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).” See your Account Agreement for more details.

Billing Rights.
Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Premier Periodic Rates.
The Purchase APR is 11.90% which is a monthly periodic rate of 0.0326%. The Cash Advance APR is 11.90% which is a monthly periodic rate of 0.0326%. The Balance Transfer APR is 11.90% which is a monthly periodic rate of 0.0326%.

Black Periodic Rates.
The Purchase APR is 6.00% which is a monthly periodic rate of 0.01644%. The Cash Advance APR is 6.00% which is a monthly periodic rate of 0.01644%. The Balance Transfer APR is 6.00% which is a monthly periodic rate of 0.01644%.

*APR=Annual Percentage Rate. Rates subject to change. The “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month. The variable rate margin on the Black card is the prime rate plus 2.00%. Maximum APR is 10%.

Any periodic rate that may be applied expressed as an annual percentage rate as determined under section 1026.14(b).

Rates effective 6/1/2017