Platinum VISA® Business Agreement

RATE (APR) for Purchases
11.49% to 15.49% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
Other APRs

Balance Transfer APR: 18% fixed

Cash Advance APR: 18% fixed

Penalty APR: 18% fixed* This APR may be applied to the entire balance on your account if you: Make a late payment

Variable Rate Information APRs will vary. The APR for purchases will equal U.S. Prime Rate*** plus a margin of either 5.99% or 9.99%, based on credit and other conditions. The maximum APR that can apply is 18% or the maximum permitted by law, whichever is greater. However, the APR will not go below 8% or 9.99% depending on credit qualification.
Grace Period for Repayment of Balances for Purchases 25 days if total balance is paid in full by the payment due date on the billing statement; otherwise none.
Grace Period for Repayment of Balances for Cash Advances and Balance Transfers None
Method of Computing the
Balance for Purchases
Average daily balance (including new purchases)
Annual Fee $35
Minimum Financial Charge None
Balance Transfer Fee $0
Cash Advance Fee 2% of each Cash Advance
Over-limit Fee $15 when account balance exceeds the established credit limit by 10% or more.
Late Payment Fee $25 , when the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date.
Returned Check Fee $25
Card Replacement Fee $5
International Purchase, Credit Voucher and Cash Disbursement Fee 1% per transaction
Pay By Phone Fee $5
To Report Lost or Stolen Cards 24/7 call (800) 449-7728.

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