Americans like the buying power credit cards provide, but too many of us are left owning more than we’d like and paying more in interest than we should for the things we want. People use credit cards for a variety of reasons: to establish credit, convenience, security, or to take advantage of rewards programs. The Visa Platinum Rewards Credit Card offers you a number of unique features and benefits.
Product Features
- No annual fee
- Low fixed rate of 9.9% - 17.90% APR*
- As your credit improves, your rate will be adjusted to as low as 9.90% *
- 25-day grace period when balance is paid in full (no grace period for cash advances)
- Free auto rental collision/loss damage waiver insurance
- Earn one CURewards point for every dollar you charge with up to five years to redeem your points. No points will be earned for cash advances, convenience checks, or balance transfers. Start redeeming your points at 2,500 for merchandise; 25,000 for travel. To view the CURewards Program, or redeem your points, click here.
- Individualized credit line
Visa Disclosures: Credit Card Terms. Full disclosures and details will be mailed with your new Visa card. Click here to read or download the credit card agreement.
| Platinum Annual Percentage Rate |
9.90% - 17.90% |
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| Payment Status Rate |
18% |
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| Grace Period |
You have 25 days after the closing date of a billing cycle to repay your entire balance before any additional finance charge on purchases will be imposed. No grace period for cash advances. |
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| Minimum FinanceCharge |
none |
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| Method of Computing the Balance |
Average daily outstanding unpaid balance (including current transactions) |
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| Transaction Fees for Purchases |
None |
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| Cash Advance Fee |
2% of advance amount/$2 minimum |
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| Late Payment Fee |
$15.00 |
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| Annual Fee |
None |
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APR = Annual Percentage Rate. Affinity Plus reviews your credit twice a year in April and October for a rate reduction with an improved credit score. Rates range from 9.90%-17.90% APR. If your account is delinquent for two (2) cycles, the APR will increase to 18.00%.
Visa Payment Address:
Visa
PO Box 660348
Dallas TX 75266-0348