Visa Credit Card Rates

IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION: The information provided in this disclosure is accurate as of October 1, 2018. The information may have changed after that date. To find out what may have changed call us toll free at 1-855-436-4100 or (240) 436-4000 or write to us at 5210 Chairman’s Ct., Frederick, MD 21703. Before we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the cardholder disclosure which will be sent to you with the new card(s).

Interest Rates and Interest Charges

Annual Percentage Rates (APR) for Purchases

10.90% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rates (APR) for Balance Transfers

10.90% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rates (APR) for Cash Advances

10.90% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

18.00%

Your Interest Rate will increase if:

You become two payments delinquent in making a minimum payment.

How Long Will the Penalty APR Apply?

If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.

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 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: http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

 

Transaction Fees

Balance Transfer

2% of the amount of the transfer (maximum fee $1,000)

Cash Advances

2% of the amount of the transfer

Foreign Transaction

1% of each transaction in U.S. Dollars

 

Penalty Fees

Late Payment Fee

Up to $35

Over-the-Credit Limit

Up to $35 - Opt-In form is on our website

Returned Payment Fee

Up to $30

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.

Maintenance Fees:

Statement Photocopies $5.00 per statement
Card Replacement Fee $10.00
Rush Plastics Fee $30.00 within the US, fees outside the US will be based on Fed-Ex international rates.

The information provided in this disclosure is accurate as of October 2018.