| INTEREST RATES AND INTEREST CHARGES | VISA REWARDS® REVOLVING CARD | VISA REWARDS® PAY IN FULL |
|---|---|---|
| Annual Percentage Rate(APR) for Purchases | 14.40% the APR will vary based on the Prime Rate | 0.00% |
| APR for Balance Transfers | 14.40% the APR will vary based on the Prime Rate | 0.00% |
| APR for Cash Advances | 19.40% the APR will vary based on the Prime Rate
| 19.40% the APR will vary based on the Prime Rate
|
| Penalty APR and when it Applies | NONE | 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. We will begin charging interest on cash advances and balance transfers on the transaction date | |
| Minimum Interest Charge/Minimum Charge | NONE | NONE |
| FEES | VISA REWARDS® REVOLVING CARD | VISA REWARDS® PAY IN FULL |
| Annual Fee | NONE | NONE |
| Transactional Fees | ||
| - Balance Transfer | 3% of the amount of each transfer, minimum fee $10 | 3% (of the amount of each cash advance, minimum fee $10 |
| - Cash Advance | 3% of the amount of each transfer, minimum fee $10 | 3% (of the amount of each cash advance, minimum fee $10 |
| Transactional Fees | ||
| - Late Payment | $35 | 1.75% of the outstanding balance at statement cycle, $35 minimum fee |
| - Over-the-Credit-Limit | $32 (per card account) | $32 (per card account) |
| - Returned Payment | $32 | $32 |
| - Penalty APR | NONE | NONE |