Cash Back Visa Signature Credit Card Details & Disclosures
The current prime rate is: 3.25%. Rates effective as of February 8, 2021. Rates subject to change at any time.
• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%).
• Total amount of all unsecured loans and lines of credit may not exceed $25,000 per member.
• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.
• Method of computing the balance for purchases: Average Daily Balance (excluding new purchases).
o $27.00 Late Fee
o $10.00 Card Replacement
o $20.00 Placed on Revoked List
o $5.00 Draft Copy
o 3% Balance Transfer Fee (min. $30.00)
o 3% Cash Advance Fee (min. $10.00)
o $5.00 Chargeback
o $27.00 Returned Payment Fee
• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $25,000, and 24-hour customer service support.
• Visa Cash Back is applied automatically as a statement credit quarterly for active paid accounts in good standing. Rebate is based upon net purchases minus returns, which may result in a negative rebate. Cash Back terms are not applicable for balance transfers and cash advances. See Cardholder Agreement disclosure for terms & conditions.
• See Visa Signature Cash Back terms & conditions for summary of coverage for Lost Luggage Reimbursement.
Our Signature Cash Back Visa cards all come with a special benefit package including:
• Lost Luggage Reimbursement
• Signature Concierge Service
• Personal Identity Theft Coverage
• Travel Accident Insurance
• Travel and Emergency Assistance
• Warranty Manager Service