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Platinum Visa
One Card, Two Reward Options
Pick between cash back or lower rate. Choose the reward that fits the way you use your card.
Are you ready to Transfer your Balance?
Our Platinum Visa is a versatile rewards card that makes shopping, travel, and many other activities very easy on you and your budget. We make our Platinum Visa even more versatile by letting you choose what reward YOU want from your credit card:
A cash back rebate of 1% of purchases - up to a $500 rebate per year - with an annual percentage rate from 8.9% to 16.9% based on your Beacon Score
OR
A 1% lower annual percentage rate ranging from 7.9% to 15.9% based on your Beacon Score
Regardless of which reward you choose, you'll receive many benefits with your Platinum Visa card:
- No Annual Fee
- 25-day grace period on purchases
- Minimum monthly payment is 3% of the balance or $10, whichever is greater
- $500,000 Travel Accident Insurance when tickets are purchased with the card.
- Auto Rental Coverage - Reimbursement for damage due to collision or theft of most rental vehicles paid for with the card. (only pays if you don't purchase the rental company's insurance)
- Acceptance around the world
- Cash advances for quick funds
- Easy transfer of other credit card balances online or by phone
- eStatements and online account access.
VISA PLATINUM CARD HOLDER AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE STATEMENT
FYI
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.
| Interest Rates and Interest Charges - Schumer Box | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 7.9% to 16.9% Based on your Beacon Score |
| APR for Balance Transfers | 7.9% to 16.9% Based on your Beacon Score |
| APR for Cash Advances | 7.9% to 16.9% Based on your Beacon Score |
| Penalty APR | 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 www.consumerfinance.gov/learnmore. |
| FEES | |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| - Balance Transfer | None |
| - Cash Advance | None |
| - Foreign Transaction | 1% of the amount of each transaction in U.S. dollars |
| Penalty Fees | |
| - Late Payment | $20 After 10 Days |
| - Over-the-Credit Limit | None |
| - Returned Payment | $25 |
How we will calculate your balance: We use a method called "average daily balance (including new purchases)" This information is accurate as of 11/1/12 and is subject to change. Contact us by phone at (217) 875-2301, or if Outside Decatur 1 (800) 542-6474, or by mail at PO Box 2515, Decatur, IL 62525 for changes.