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Platinum Visa
One Card, Two Reward Options
Pick between a lower rate or rewards. Choose the perk that fits the way you use your card.
A 1% lower annual percentage rate ranging from 8.5% to 18.0% based on your Beacon Score. Or pick our rewards credit 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.
Regardless of which reward you choose; you'll receive many benefits with your Platinum Visa card:
- No Annual Fee
- Cash advances for quick funds with no fee
- 25-day grace period on purchases
- Acceptance around the world
- Minimum monthly payment is 3% of the balance or $10, whichever is greater
- Easy transfer of other credit card balances online or by phone
- eStatements and online account access.
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.
*Earn 1 point for every $1 spent (points available after billing cycle). Those who choose a lower interest rate credit card are not eligible for Rewards. *
See full fee chart below.
| Types of Fees | Description |
|---|---|
| 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.
| Interest Rates and Interest Charges - Schumer Box | Description |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 8.5% to 18.0% Based on your Beacon Score |
| APR for Balance Transfers | 8.5% to 18.0% Based on your Beacon Score |
| APR for Cash Advances | 8.5% to 18.0% 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. |